3 July 2014 0 Comments

The Never, Always, Everyone Fallacy

A claim made by the Auto Club referenced in my last blog triggered the topic for this entry.  It was a statement that a particular policy was recommended for all their members.  That falls in line with declarations occasionally made by agents that they never sell a certain type of policy (Whole Life is a […]

6 May 2014 0 Comments

The High Cost of Nicotine Use

If you are a smoker and have been coaxed into looking at life insurance by TV ads showing the low cost of term insurance, you have most likely been very disappointed when you responded to these ads.  Tobacco users pay much, much more for life insurance than those who do not partake.  I covered much […]

8 April 2013 0 Comments

More Smoke

In my last entry you got an idea of the huge increase in life insurance premium for tobacco users.  I explained how cigarette smoking is defined.  Now I’ll move on to other tobacco products as well as one additional smoking event that is not tobacco: marijuana. Cigars Cigar smokers very often insist that they don’t […]