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I am a 36-year-old psychologist and hospital administrator. I recently applied for a substantial life insurance policy because my wife and I are expecting our second child. My current policy is held with one company and my recent application was submitted to another, due to the hope of a slightly better premium on the new policy. I would also like to note that I have been an athlete all of my life and I currently exercise vigorously five to seven days per week with weights and aerobic machines.
I was honest on my application by admitting to smoking one to two cigars per week. Although no nicotine was evident on my blood or urine tests, this company (Allstate, if you must know), who holds my car and homeowners insurance by the way, would only approve my application as a smoker and at a significantly increased premium. That is, Marvin, if I smoked three packs of cigarettes per day or one to two cigars per week, my premium would be the same!!!
Marvin, I am outraged!! How moronic, ill-informed and out of step can those folks be? I complained, as did my agent to his supervisors, but to no avail. Needless to say, I will be applying to my current policyholder for the increased amount of insurance in the near future.
David R. Youngelman
Funding a Cure
In the March issue of Cigar Aficionado magazine, I called upon our readers to make donations to CaPCure, the prostate cancer research foundation. Prostate cancer is a disease that may affect up to 20 percent of the adult male population in this country. It is an insidious killer. The research underway has already made gains in early diagnosis of the disease, and there is hope that more breakthroughs will be made in the years to come.
Your response was overwhelming. We have already received more than $20,000 from our readers. Thank you.
In addition, the Fourth Annual "A Night to Remember," held on Monday, April 1, 1996, included a charity auction to benefit CaPCure. The dinner, held this year at New York City's Four Seasons Restaurant, was attended by 166 men from around the country (see Nights to Remember, page 392). The lots auctioned featured rare cigars, including two separate lots of pre-Castro Cuban cigars, several humidors, including a unique piece designed at my request by Elie Bleu in France using images of Cuban cigars and Cuban cigar bands on the outside, trips to the Dominican Republic with tours of cigar factories, and a new Chrysler Sebring convertible. The auction raised $139,000, and the total contribution from the event topped $225,000.
Finally, we have set aside a certain percentage of the net proceeds from our Big Smoke events, of which 10 will be held in 1996 around the United States. It is an appropriate way for us to give back for some of the good times that we have had.
The total contribution to CaPCure from the readers of Cigar Aficionado magazine and all Cigar Aficionado events to date is approximately $575,000.
Thank you very much.
If you haven't sent in your contribution already, please do. We'll be glad to forward it to CaPCure.
Marvin R. Shanken
Editor and Publisher
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