Can I get a Quote?

[CHUMPS FROM OXFORD]

Uh oh! I'm sorry, but I didn't see the kids listed.

Here are the updated prices:

GR Copay Select 2500 Ded. $421
GR Copay Select 1500 Ded. $497
GR HSA $5650 Ded. $275

Assurant/Time Max Plan $2500 Ded. $476
Assurant/Time Max Plan $1500 Ded. $593
Assurant/Time HSA $5700 Ded. $323

 

[senior-advisor-indiana]

you are fired!!

 

[senior-advisor-indiana]

What are the non smoking rates and how can they prove you smoke? HOw long do you have to be tobacco free for the non smoking rate?

 

[arnguy]

On life insurance it is the HO (Home Office) sample a/k/a urine sample. In health insurance, if you die the carrier can ask for an autopsy and the lungs will show the evidence of smoking. Also, if you contract a disease which may indicate smoking, the carrier can investigate with an APS, for example, emphysema, heart condition, lung cancer, etc., etc.

 

[CHUMPS FROM OXFORD]

Generally, it is 12 months to be classified a NS. Some companies (BC) will give a "Super Duper Ultra Preferred" rate if it has been three years.

This is the first time that GR has both Preferred and Standard smoker rates.

 

[senior-advisor-indiana]

So would it save a bunch of money to quit smoking? whats the rate up %?

 

[CHUMPS FROM OXFORD]

I would guess approximately 10%-15%. I'm at home now, so I can't recalculate the rates.

 

[senior-advisor-indiana]

Thank you.

 

[CHUMPS FROM OXFORD]

"that is so expensive"

And that was from three years ago so rates are even higher. Ugh...what caught your fancy from a three-year-old thread?

 

[Guest]

Lol, you guys are silly. How about confirming needs prior to quoting? Did you run an Assurant Indemnity plan quote? Pre-cancer will most likely be a decline and if not will result in some sort of exclusion rider.