Not everyone who smokes is a heavy user. In fact, thousands of Americans enjoy tobacco without touching cigarettes, commonly viewed as the worst for your health. Fortunately, when you’re making an insurance decision, buying life insurance as a cigar smoker could end up working in your favor. Life insurance for cigar smokers can be much cheaper than those who use cigarettes. This is because people who smoke cigars can get as good as non-smoker rates on many occasions.

 

Daily cigar smokers can qualify for standard, non-tobacco rates on life insurance if they apply to the right life insurance companies.

It’s not as simple as telling your agent you smoke cigars and not cigarettes, however.

 

Several different factors have a role in getting non-smoker life insurance premiums for cigar users.

There are a few basic items which affect the outcome of your application, among them:

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• Frequency of Use

• Chosen Insurance Company

• Smoking History

• Overall Health

 

Any one of these can throw off your approval rating, including pushing you from non-smoker to smoker rates.

You’ll need to work with an independent agent such as us to get the standard rates.

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A handful of top-rated life insurance companies will offer non-tobacco rates to regular (even daily) cigar smokers. What’s the deal? 

 

⇢ YOU MUST DISCLOSE YOUR CIGAR USE

⇢ YOU CAN NOT ALSO SMOKE CIGARETTES OR VAPE

⇢ YOU MUST OTHERWISE QUALIFY FOR LIFE INSURANCE

⇢ YOU NEED TO APPLY WITH THE RIGHT COMPANY

 

In all cases, for preferred or better rates, the cigar usage must be low, and you must test negative for cotinine, an alkaloid found in tobacco products, in your blood or urine. Huge savings are available to cigar smokers regardless of how much you smoke and if it is just cigars.

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Learn how you can still get "Non-Tobacco" rates by contacting us today!