Last year I changed my life insurance policy, and mentioned that I smoke an occasional cigar, they hosed me for the smokers rate, when I mentioned this to my agent, he said, that next year, tell them I quit, and I would be able to receive the preferred rate. I don't smoke cigarettes, and maybe one stogie every few days...
I think he mentioned that they would do a cheek swab this time around.
Have any of you guys had this issue before? And what was the outcome?