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  1. General Cigar Discussion
    So I will soon be subjected to a physical and medical background check for life insurance. I'm clean, no surgeries, nothing permanent, blah blah blah. I can assume that I'll be asked whether or not I'm a smoker. My thoughts are no, I'm not, since I don't smoke cigarettes. But what...
  2. General Cigar Discussion
    Ok, so just had a meeting with my insurance guy Good news: 1) as a non-daily cigar smoker I can still qualify for non-smoker rates for my life insurance with certain companies. Bad News: 1) Dang life insurance is expensive! But necessary - get some! 2) all my sticks will get 4-6 weeks of...
  3. Cigar Bombs
    Oh, the HUMANITY! I stopped out to the mailbox, looking for my Noobie PIF...a DC had been posted and I was eagerly awaiting... I pulled opened the door...the last thing I remember seeing was a little white Priority Mail Box, and...wait, what? why are there two b... BOOM!!! I was blown...
  4. Cigar Contests
    Hello race fans. We head to the 21st. round of the 2011 NASCAR Sprint Cup season. This week finds us at Pocono's 2.50 mile tri oval for the MrMayorga/Good Sam RV Insurance 500. Welcome to this weeks NASCAR Contest here on Puff. There is expected to be a large field this weekend, so we...
  5. General Discussion
    Anyone bought life insurance recently and actually answered truthfully about tobacco use? I have some through work, was looking to buy some more and the first question is always "When was the last time you touched tobacco of any form?" If you say yes the premium just about doubles, if you...
  6. Cigar Bombs
    :boom: . . . . . . . . . . . . . 'Nuff said :heh:
  7. General Discussion
    well after 13 years same owners, but 4 different management companies and 7 different bosses this property i have been managing finally sold. no problem right? well i thought not but the new owners came in today 10 minutes after the closing and said sorry we wont be needing your services. The...
  8. General Cigar Discussion
    After the slippery slope Puff pushed me down,I own more cigars now ,than anytime in my life, I was wondering ,in a case of flood .fire ,or beetles. Could I claim my cigars on my homeowners insurance.
  9. General Discussion
    I'm currently shopping for health insurance and it seems this whole system is purposely made to be as confusing as possible. On the plus side, my work simply gives me a monthly allowance and lets me buy my own insurance even though they have a plan available. It's a crappy plan so I didn't...
  10. General Cigar Discussion
    Hello All, today I was informed that I will be paying a $20 per paycheck health insurance surcharge because I smoke a couple of cigars a month. According to my HR department, I either smoke or I don't, it does not matter how much. In addition, I have to self-identify by signing a document saying...
  11. General Discussion
    If it were up to me, I'd eliminate the requirement by law to have any form of car insurance. Basically, its a rip-off that just eats into the pockets of hard working people. Especially those who live in high premium areas. Basically, car insurance is a money machine for the insurance...
  12. General Cigar Discussion
    . . .and that ever-present tobacco use question keeps bugging me. Honestly, I smoke maybe 1-2 cigars a week if I'm lucky. Do I still classify as a "tobacco user?" I always thought this was targeted at more habitual smokers. What are the possible consequences of answering "no?" :neutral:
  13. General Cigar Discussion
    Cigar Insurance - The question is that when you fill out papers for a life insurance police they ask if you smoke. Do they mean cigarettes or smoking period? Smoking a cigar on occasion does not seam like it would justify me to have to check mark the smoking box but I may be wrong. What do you...
  14. Jokes Forum
    A Charlotte, North Carolina man, having purchased a box of 24 rare and very expensive cigars, insured them against… fire. Within a month, having smoked his entire stockpile of fabulous cigars, and having yet to make a single premium payment on the policy, the man filed a claim against the...
  15. Cars and Motorcycles
    I'm trying to figure out who was at fault in an accident I was involved in yesterday. Here's what happened: I parked my car on the side of my road, which is a two lane street. I opened the door. I turned to the passenger seat to gather my cell phone and other items. Turned to my door and saw...
  16. Business Networking
    If anyone in Texas is shopping for life insurance, give me a call. With normal health and no cigarette smoking, I should be able to get you a standard non-nicotine rate. There is no limit on the number of cigars, chew, pipes, etc you smoke...only cigarettes! If you live somewhere besides...
  17. Coffee Discussion
    I just came across a BBC article stating that a professional cupper has insured his tongue for nearly $14 million with Lloyds of London. I know we have several pros on this board....is this really necessary?? Curiosity killed 'da Cat BBC NEWS | Business | Coffee taster's tongue worth £10m
  18. Business Networking
    IF any of the BOTL here sell Health Insurance I would love to talk to you, My wife and I will be losing our coverage after she gets back of materiny leave in may or so. My work ofers coverage but it is way to expensive and really crappy coverage. Right now our coverage is based on my wife...
  19. Business Networking
    I am An Insurance Agent in Northen Michigan and am just starting out. I would be intrested in speaking with current agents/brokers/Independent agents about thier pitfalls they may have encountered during thier start up phase. Also Looking for marketing ideas too. or just advice! Thanks Brad...
  20. General Discussion
    My Mother forgot to send the payment for my Dad's insurance which is due today. They told her they wouldn't accept payment which would cancel his policy. He is using cobra insurance because he left his job with the illness. He has cancer and is going through chemo again, but without insurance I...
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