Within a month, having smoked his entire stockpile of cigars and without having made even his first premium payment on the policy, the man filed a claim against the insurance company.

• 1个月以内，有烟熏，其全部积蓄了雪茄，并没有作出了连他的第一次保费支付上，政策上，该名男子提起索赔对公司承保。