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April 21, 2006


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better yet get a guareenteed universal life policy NOW with hancock, quit smoking NOW and when smoker and non smoker rates truly differentiate in year 3 sign the affidavite that you've been smoke free for 24 months and viola, youve got non smoker G UL. Call the company up they'll tell you aout it. Your covered immediately with a Smoker rate, but in year 3, your rate goes to non smoker

Actually Blue Cross blue shield is not bad ( Pretty good coverage. But overall, why smoke?? This article is another reason why not to? :)

I would be careful about universal life insurance or whole life insurance, from what I have read term life insurance is best cost wise and invest the difference you would pay between whole life vs. term insurance and you will come out a lot better in the long run.

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