Having trouble finding the best life insurance for cigar smokers? If so, you’ve made it to the right place. Affordable life insurance is what we do best.
Cigar smoking is one of those middle ground or grey areas for some insurance carriers, where some are strict and some are liberal in their underwriting practices.
Many factors are at play, but depending on your use, you could even qualify for non-smoking rates. We’re going to discuss your options, and we’ll help you navigate some of the rules you may not know so you can secure the most affordable life insurance for cigar smokers on the market today.
Finding Life Insurance For Cigar Smokers
From the regular user to the occasional or recreational cigar smoker, your life insurance rates are heavily dependent on the carrier you submit your application with. Some will treat you very fairly while others will lump you into a general smokers life insurance category. But there are also other factors at play which might limit your best choice in company to a narrow few.
Here are the factors which matter most:
- Date of last cigar smoked
- How many cigars this month
- How many cigars this year
- How long you’ve been smoking cigars
In short, the insurance companies are looking to see what type of cigar user you are right away; if you’re a regular user, you’ll probably end up being classified as a smoker versus a non-smoker for someone who had just one for a special occasion (not by all companies).
When discussing life insurance for cigar smokers with our applicants, we have the end in mind from the beginning. If you rarely use, we have a few select carriers who will give you the non-smoker ratings, whereas a full-time cigar smoker might get the cheapest rates for a smoker from another carrier altogether.
How Much Is Too Much?
Depending on the carrier, some like to see less than a cigar a month or 12 cigars annually to still qualify for the non-smoker health ratings. Others are more stringent, but one company allows up to a cigar per week, so long as you haven’t used cigarettes or dip in the past 5 years.
Another aspect, aside from the number of cigars per time period, has to do with the amount of nicotine in your system. Let’s say John Doe applies for life insurance for cigar smokers as an occasional user with less than 12 per year. However, his blood profile comes back with higher nicotine levels than someone who would otherwise be labeled as an “occasional” user. How will the insurance company take this?
- Further questioning about his frequency of use
- Taking into account his date of last cigar smoked
- Consideration of previous history of tabacco use
These points become a higher interest to the company now, as they can only take the applicant at their word for how many cigars, in what time frame, they have smoked.
What Is The Best Case Scenario?
The best case scenario in regards to health ratings for life insurance for cigar smokers is Preferred Plus, the top rating. This is reserved for those applicants who meet the above criteria for the carrier they apply to. There are roughly a dozen companies who offer this rating for cigar smokers and life insurance doesn’t get any cheaper than preferred plus rates.
How Do I Know Which Carrier To Apply To?
Leave that to us. Unfortunately, the guidelines each carrier goes by change often, so to post specifics now would potentially create a conflict at some later time. Because we are an independent agency, we seek rates from over 50 different “A” rated carriers. This allows us to make the right decision for you and your budget every time.
We recommend reaching out to us to discuss your use, and we can point you in the right direction. We’ll even help you apply to make sure you get the best ratings you’re eligible for. Life insurance for cigar smokers is something we deal with regularly, as well as cigarette smokers, e-cig users (or vapers), policies for marijuana users and those who enjoy chewing tobacco.