bamboogrrrl
Dryer sheet aficionado
- Joined
- Nov 30, 2004
- Messages
- 33
I'm in the middle of a life insurance quandry, and thought I'd get your collective two cents (or more I hope!). Dh and I recently took on a larger mortgage to pay for a barn to house his vintage car repair business. Because of this new responsibility, we decided to get term life insurance, so if anything happens, one of us can pay off the mortgage. Both applications took forever to process (the insurance group estimated 6-8 weeks, and it took four months). Mine went through cheaply and without a hitch, except that it took a long time.
Last week, the insurance group called dh and said that his tests came back positive for nicotine - he quit smoking six years ago. After four months of the insurance company hanging onto the tests, we find this out at the very end of the application process. It crossed my mind that addicts will lie and cheat and steal for their addictions, and that maybe he didn't really quit. But dh has a lot of integrity, and he hasn't smelled smoky. He firmly states he isn't smoking, although he'd often like to. His test results show that he's smoking between 1/2 - 1 pack a day. Now THAT is something that would be obvious!
It seems to me that after hanging onto the test samples for four months, ANYTHING could have happened in the lab. And with life insurance they will not retest . In my research, I've found that between 5%-17% of nicotine tests will show a false positive. Apparently we can write a letter to dispute the findings of the insurance company, and these letters can be successful...
Any other suggestions?
Last week, the insurance group called dh and said that his tests came back positive for nicotine - he quit smoking six years ago. After four months of the insurance company hanging onto the tests, we find this out at the very end of the application process. It crossed my mind that addicts will lie and cheat and steal for their addictions, and that maybe he didn't really quit. But dh has a lot of integrity, and he hasn't smelled smoky. He firmly states he isn't smoking, although he'd often like to. His test results show that he's smoking between 1/2 - 1 pack a day. Now THAT is something that would be obvious!
It seems to me that after hanging onto the test samples for four months, ANYTHING could have happened in the lab. And with life insurance they will not retest . In my research, I've found that between 5%-17% of nicotine tests will show a false positive. Apparently we can write a letter to dispute the findings of the insurance company, and these letters can be successful...
Any other suggestions?