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14 Nov 16
10:29
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Date Joined:
25 Dec 05
and also pension payments ,they say no health checks or blood tests just a few questions,and obviously pc for todays world everyone says there a non smoker,do they just take peoples word for it,
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shirley you claim to be a 40 a day man for yer pension
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thats my thoughts donny
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With regards to pensions it is better to say you're a chain smoker, as donny rightly points out. As for life assurance, tests can prove if a client has smoked in the past 12 months (or so I'm led to believe) and this is usually the benchmark for accepting a 'non-smoker'
My main concern since I was in the game is the reliance on family history. It doesn't always follow suit but the premiums reflect a different story. Guess who wins? |