New to the site-14 days deep

[GlennFtheKodiak]

Of course you are going to eat more when you don't have that shit in your mouth. What is so shocking? I think most of us put on weight at the beginning. I put on about 10 pounds......

[ALBYJAY]

SO whats the deal?  i quit 75 days ago and honestly, was the best decision of my life-this site means a lot to me.  Great people, good info.  so whats the deal with weight gain.  my sorry ass stepped on the scale and i have gained over 12 pounds since i quit-----?  Anyone else gain weight with their quit?

I am a firm believer in Mules Peanut Butter cup diet. well......maybe firm is the wrong word

I'm only 22 days in and notice I'm gaining weight. I think its more from just having bigger meals or a snack after a meal that replaces my aftermeal chew. Oh well, with working out it will disappear and i'll be healthier...from both exercise and no chew

Think of all the times you didn't eat something beacuse you had a chew in. I never snacked when I was dipping. Now I snack all the time.

[jjsnake]

SO whats the deal?  i quit 75 days ago and honestly, was the best decision of my life-this site means a lot to me.  Great people, good info.  so whats the deal with weight gain.  my sorry ass stepped on the scale and i have gained over 12 pounds since i quit-----?  Anyone else gain weight with their quit?

I am a firm believer in Mules Peanut Butter cup diet. well......maybe firm is the wrong word

I'm only 22 days in and notice I'm gaining weight. I think its more from just having bigger meals or a snack after a meal that replaces my aftermeal chew. Oh well, with working out it will disappear and i'll be healthier...from both exercise and no chew

[Skoal Monster]

SO whats the deal? i quit 75 days ago and honestly, was the best decision of my life-this site means a lot to me. Great people, good info. so whats the deal with weight gain. my sorry ass stepped on the scale and i have gained over 12 pounds since i quit-----? Anyone else gain weight with their quit?

I am a firm believer in Mules Peanut Butter cup diet. well......maybe firm is the wrong word

[mavericks19]

SO whats the deal? i quit 75 days ago and honestly, was the best decision of my life-this site means a lot to me. Great people, good info. so whats the deal with weight gain. my sorry ass stepped on the scale and i have gained over 12 pounds since i quit-----? Anyone else gain weight with their quit?

[GlennFtheKodiak]

Here's the story fellas:

Legally, you have to be tobacco free for 1 year to say you are tobacco free.  Technically, however, they will usually ask, "have you ever used tobacco". how you answer that will depend on your rate.  You have to be 3-years clean to supposidly get the best rate, however, if you answer that you previously used, you most likely will not get the best rate no matter how your exam comes out.

I do not think the insurance companies cross check to see if you ever reported a tobacco positive result.  I think that's inaccurate.

From my own experience, I just got approved a few months ago for a very large insurance policy at "super preferred", the highest preferred you can get.  This was 12 months after my other policy was taken out at the "smokeless tobacco" rate (yes Prudential differentiates between smoking and dip they were one of the few.

I will say that when asked about use of tobacco I replied, "no".

Every state is different...hence, state insurance commissioners. However, I recently sold a few policies in my state with a certain company that will give those quitting non-tobacco user rates, and then test them again in two years. If they test clean, they get non-user rates. If they test positive, they get users rates. Also, the MIB does share info of all kinds. I'm not a Life Insurance expert...I've sold a few policies....Contact your local insurance agent.

This is purely anecdotal experience from my time in the insurance profession, but I have seen claims go through years of court hold-ups and even denied because of the insured "lying" on the application about tobacco use. They, of course, died from tobacco related problems in the first few years of policy ownership. I would assume if it were years down the road and you die from other causes, even if they see on your MIB that you were in fact a tobacco user within 3 years of buying the policy, they would still pay out. My advice, don't talk to your agent, talk to your lawyer.

Agree lying is bad and I am not recommending it.

I merely answered "NO" to the question "Do you use tobacco". I do not.

Incidentally, it was my understanding that they would just hold back the difference in premiums between smokers and non-smokers rates should a death occur and the application was found to be fraudulent.

[ScubaSteve]

Here's the story fellas:

Legally, you have to be tobacco free for 1 year to say you are tobacco free.  Technically, however, they will usually ask, "have you ever used tobacco". how you answer that will depend on your rate.  You have to be 3-years clean to supposidly get the best rate, however, if you answer that you previously used, you most likely will not get the best rate no matter how your exam comes out.

I do not think the insurance companies cross check to see if you ever reported a tobacco positive result.  I think that's inaccurate.

From my own experience, I just got approved a few months ago for a very large insurance policy at "super preferred", the highest preferred you can get.  This was 12 months after my other policy was taken out at the "smokeless tobacco" rate (yes Prudential differentiates between smoking and dip they were one of the few.

I will say that when asked about use of tobacco I replied, "no".

Every state is different...hence, state insurance commissioners. However, I recently sold a few policies in my state with a certain company that will give those quitting non-tobacco user rates, and then test them again in two years. If they test clean, they get non-user rates. If they test positive, they get users rates. Also, the MIB does share info of all kinds. I'm not a Life Insurance expert...I've sold a few policies....Contact your local insurance agent.

This is purely anecdotal experience from my time in the insurance profession, but I have seen claims go through years of court hold-ups and even denied because of the insured "lying" on the application about tobacco use. They, of course, died from tobacco related problems in the first few years of policy ownership. I would assume if it were years down the road and you die from other causes, even if they see on your MIB that you were in fact a tobacco user within 3 years of buying the policy, they would still pay out. My advice, don't talk to your agent, talk to your lawyer.

[greg40]

Here's the story fellas:

Legally, you have to be tobacco free for 1 year to say you are tobacco free. Technically, however, they will usually ask, "have you ever used tobacco". how you answer that will depend on your rate. You have to be 3-years clean to supposidly get the best rate, however, if you answer that you previously used, you most likely will not get the best rate no matter how your exam comes out.

I do not think the insurance companies cross check to see if you ever reported a tobacco positive result. I think that's inaccurate.

From my own experience, I just got approved a few months ago for a very large insurance policy at "super preferred", the highest preferred you can get. This was 12 months after my other policy was taken out at the "smokeless tobacco" rate (yes Prudential differentiates between smoking and dip they were one of the few.

I will say that when asked about use of tobacco I replied, "no".

Every state is different...hence, state insurance commissioners. However, I recently sold a few policies in my state with a certain company that will give those quitting non-tobacco user rates, and then test them again in two years. If they test clean, they get non-user rates. If they test positive, they get users rates. Also, the MIB does share info of all kinds. I'm not a Life Insurance expert...I've sold a few policies....Contact your local insurance agent.

[GlennFtheKodiak]

Here's the story fellas:

Legally, you have to be tobacco free for 1 year to say you are tobacco free. Technically, however, they will usually ask, "have you ever used tobacco". how you answer that will depend on your rate, as Greg, "I like to Fuck George Bush" mentioned in the last post. You have to be 3-years clean to supposidly get the best rate, however, if you answer that you previously used, you most likely will not get the best rate no matter how your exam comes out.

I do not think the insurance companies cross check to see if you ever reported a tobacco positive result. I think that's inaccurate.

From my own experience, I just got approved a few months ago for a very large insurance policy at "super preferred", the highest preferred you can get. This was 12 months after my other policy was taken out at the "smokeless tobacco" rate (yes Prudential differentiates between smoking and dip they were one of the few.

I will say that when asked about use of tobacco I replied, "no".

[klark]

The reason I ask...if you tested positive for nicotine...life insurance companies share information with each other through the MIB. If you haven't tested positive recently, you should be fine. How you answer the question, "Have you used any Tobacco products in the past 2 years?"...well, that's up to you! ;)

I think it depends on the Insurance Company. I was told after one year I could retake it and get the same as a no nicotine.

[greg40]

The reason I ask...if you tested positive for nicotine...life insurance companies share information with each other through the MIB. If you haven't tested positive recently, you should be fine. How you answer the question, "Have you used any Tobacco products in the past 2 years?"...well, that's up to you! ;)

[mavericks19]

not lately

[sensei]

One of the best benefits is the money saving aspect of quitting chew....does anyone know when i can re-take the life insurance test and come out with results that show im quit for a less expensive premium. I am quit for 68 days now......will I be ok or will it still show I have dipped? :huh:

Your blood will be clean, but if you had a positive test in the past it will need to be 3 years from that date before your considered quit to them.

[greg40]

One of the best benefits is the money saving aspect of quitting chew....does anyone know when i can re-take the life insurance test and come out with results that show im quit for a less expensive premium. I am quit for 68 days now......will I be ok or will it still show I have dipped? :huh:

The nicotine should be out of your system by day 3 to 5. Have you taken an insurance physical lately?

[mavericks19]

One of the best benefits is the money saving aspect of quitting chew....does anyone know when i can re-take the life insurance test and come out with results that show im quit for a less expensive premium. I am quit for 68 days now......will I be ok or will it still show I have dipped? :huh: