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Posts posted by Cep

  1. Interesting.

    I recently applied for and was accepted for a 10 year term policy with no physical required. I told them I used to smoke cigs like years ago but havent smoked cigs for years. Initially the policy was a smoker rate, but I then got it changed to non smoker rate. 

    It's not a huge policy..   my first ever life insurance. I only got it because my gf bitches about me riding a motorcycle. I guess I cant blame her I've been riding for 2 years and have  broken my collarbone and then my right elbow  :P


    But my question is when do they normally require physicals?  Has covid changed things?   

    and also when you die do they inspect your body for signs of tobacco use?? My guy says basically once you're approved you can do whatever you want  ? 



  2. I rarely have a chance to just totally relax and enjoy a cigar these days.  I decided to take the afternoon off and visit a friend on one of our last days of summer here in Toronto.  Lit up a Dip 2 sept 16 gifted from a member here.  

    I'm enjoying it tremendously :) so I felt compelled to post it.  Having some unknown  rum with it but maybe its el Dorado 15 ? Very very good to me.  I cant get my buddy into scotch whisky but rum is his flavor of the week :)

    Cigar is burning absolutely perfect which is a very rare occurrence for me!!!  It makes a huge difference.   I'm getting a slight bell pepper.  Which I love.  Had it in a d4 only once or twice.   I will definitely have to grab a box of these in the future. 

    Hope u all have a great weekend :)



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