From: "Michael J. Schoonover" <???????????????????>
Subject: Transamerica life policy

Steve,

thanks for replying to my post in asc.  I spoke
with a local transamerica agent this am.  He said
that if you have used any nicotine in the last 2
years you are a smoker to transamerica.  So according
to them, even 1 cigar in the last 2 years will make 
you a smoker in their eyes and they'll charge double
the premium.

you might also note for the faq that he mentioned another
ins. co., I believe the life ins. co. of Virginia that 
has a tobacco user but non-smoker rate that is more
tolerant of cigar smokers.

hope this helps others out there.  seems like the ins.
companies are tightening things up.

take care and thanks again.
please forward this info to bob for the faq update.

Michael Schoonover
???????????????????

[ Thanks, Michael!  I've noted in the Guide that Transamerica is
hostile to moderate smokers. -S. ]


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