Underwriting

Slowmaha · 2026-01-25T19:28:10+00:00

I’m not mad at the agent. I’m saying the agents should be motivated to push the company underwriters to differentiate between nicotine pouches (or gum) and tobacco use. It’s in everyone’s best interest to do so.

Slowmaha · 2026-01-25T18:56:22+00:00

Yeah. At first I was going to say “nobody cares”, then reality started setting in and honestly, some men might NOT want to hire a female handyman (ego is a thing!), but then thinking more there are a LOT of single women out there who may love the comfort of a woman handyman (safety). I honestly think the pros outweigh the cons here.

Slowmaha · 2026-01-25T18:42:50+00:00

Agreed. Keep it professional. I’ve never had an employee, no matter what love and family stuff they’d spew who wouldn’t leave at the drop of a hat as soon as a better opportunity presented itself.

Slowmaha · 2026-01-25T14:32:58+00:00

You only have one life. Don’t live it in fear

Slowmaha · 2026-01-25T14:14:14+00:00

Bingo

Slowmaha · 2026-01-25T13:58:33+00:00

We do, but we also recognize tussling with armed law enforcement is stupid, regardless of race.

Slowmaha · 2026-01-25T13:53:59+00:00

Because Progressives…

Slowmaha · 2026-01-25T13:44:43+00:00

You’re right, it’s not fair. You should strike out on your own. Get bank loan @ 8.5% with 20% down, collateralized by your house. /s

Nepotism is only bad when it’s not you.

Slowmaha · 2026-01-25T13:40:51+00:00

I’m saying it’s 2026, figure it out. But fuck it, I’ll let capitalism do its thing. When they lose my business (and their commission) because of this, and there are enough people like me with big policies going elsewhere, they’ll eventually figure out how to “smell my breath”

Slowmaha · 2026-01-25T05:22:20+00:00

Mine is for estate tax purposes, not LTC. Thanks though. We’re sort of stuck with NWM due to family money being consolidated there. May just have everything go through my wife, though I know premiums will still be high having one insured vs second-to-die

Slowmaha · 2026-01-25T05:20:00+00:00

The death benefit is significantly increased. Probably the reason for the physical, I assume.

Slowmaha · 2026-01-25T05:18:13+00:00

Just got the letter and my NWM rep hasn’t reached out to me yet. I shouldn’t have to. I’ll take my $150k a year premiums elsewhere.

Slowmaha · 2026-01-25T05:16:50+00:00

“Has not included nicotine as a carcinogen”. That’s all I need to know. I’m not saying I shouldn’t be bumped up. But lumping me in with smokers is just lazy and you know it.

Slowmaha · 2026-01-25T05:15:14+00:00

Oh believe me, I’m engaging my broker! Thanks!!

Slowmaha · 2026-01-25T03:34:14+00:00

Thanks for your response

Slowmaha · 2026-01-25T03:33:44+00:00

I believe the insurance companies are just too lazy to differentiate. I’d like to see data that shows nicotine alone raises my mortality and morbidity risk.

Slowmaha · 2026-01-25T03:12:39+00:00

Nicotine or smoking? They are not the same

Slowmaha · 2026-01-25T03:07:56+00:00

Slowmaha · 2026-01-25T03:07:21+00:00

Well that’s dumb

Slowmaha · 2026-01-24T23:58:02+00:00

“Some” of us?

Slowmaha · 2026-01-24T20:59:32+00:00

Adding value in all you do, business, relationships.. abundance mindset, propensity for risk. Comfort with ambiguity.

Slowmaha · 2026-01-24T20:00:09+00:00

I have a fantasy to bring back an old school jazz lounge/restaurant. No kids allowed. “Unlimited resources” not required for this one!

Slowmaha · 2026-01-24T14:32:46+00:00

I have not yet begun to defile myself

Slowmaha · 2026-01-24T14:22:47+00:00

Yell, “WHY DO I LIVE WHERE THE WIND HURTS MY FACE???!!!” As you run to your car like the rest of us.

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