Im disabled for some years. I've a period living with Northeastern. I havent been smoking for 9 years, about 8 weeks after I closed the types after I was still functioning. I named recently to inquire about it and also to have myself re-rated. The truth is that since Im handicapped they don't reissue the plan underneath the lower-rate, or may they return funds that I overpaid for 8 yearsapproximately while underneath the smoking score. It was never described in my experience from the broker and not does it express everywhere when I stop, to contact them-and I'd obtain a lower score. In my experience this smacks of dont ask dont tell. Perhaps I ought to have asked but Im also busy trying to provide it much thought. They might have delivered a memo every year or two stating something similar to "Quit Smoking" Phone and we shall upgrade your plan for lower prices. This will have now been a courtesy they never described
They wont actually reimbursement funds for that period that I had been operating and never smoking. This really is where the draw the sleep you free justification. Easily was due for lower-rate in the period I had been operating then it willnot matter that I take it up today plus they utilize my impairment to put on me hostage to present prices or stop. I wont conduct business and spend them cash to the stage where I'll have financed about 25-percent of my plan and that I can use the cash to repay more of my expenses. Screw Them.
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