If you compare the life insurance rates of a non-tobacco user with the rates of a tobacco user, you will notice a huge difference in price. So what if you smoke cigars, will you be considered as a smoker for life insurance rates?

Short and quick answer, no. With most life insurance carriers, you can now qualify for non-smoker rates even if you smoke cigars.

Even though cigars are a form of tobacco, many life insurance companies have become very lenient when it comes to occasional cigar use. There are also some companies that will approve you at non-smoker rates, if you smoke cigars daily!

If you like to enjoy a cigar occasionally or even daily, we have put together a list of the best life insurance companies to consider when applying for cigar smoker life insurance coverage.

Top Quote Life Insurance has the life insurance companies that will approve you at non-smoker rates if you currently smoke cigars. The rates between a non-tobacco user and a tobacco user are significant! Give as a call (888) 777-7574 for a quote.

 

When Applying for Life Insurance as a Cigar Smoker

When applying for life insurance as a cigar smoker, it is very important to admit your use on both the application and the medical exam. Lying on the application and testing positive for nicotine on the medical exam can result in automatic smoker rates.

This article will help you choose the best life insurance company to apply with, based on your cigar use. If you smoke one cigar a month, a week or daily, there are affordable options available.

 

Companies that offer Non-Smoker Rates for Daily Cigar Use

It is very rare to find a life insurance company that will offer non-smoker rates for daily cigar use, but both Prudential Life Insurance and Cincinnati Life Insurance offer do.

You won’t qualify for their best health classification with daily cigar use, but they will give you the opportunity to qualify for a very affordable, non-smoker policy with their “Standard Plus” health classification.

Let’s face it, cigars are tobacco. According to Cancer.org, just one large cigar contains as much tobacco as an entire pack of cigarettes. This statistic, along with other health risks associated with cigar smoking, is why most life insurance companies will not approve you as a non-smoker with daily cigar use. With these two companies you’re in luck!

 

Cincinnati Life Insurance

Cincinnati Life Insurance

Cincinnati Life Insurance is one of only two life insurance companies that allow daily cigar use. In order to qualify, you must admit cigar use on application, as well as the medical exam. Urinalysis may test positive for nicotine.

AVAILABLE HEALTH CLASSES: Standard Plus Class Only

 

Prudential Life Insurance

Prudential Life Insurance Quote

Prudential Life Insurance is the 2nd life insurance company that will also consider you at non-smoker rates if you smoke a cigar daily. In order to qualify, you must admit to cigar use on both the application and medical exam. Urinalysis may test positive for nicotine.

AVAILABLE HEALTH CLASSES: Standard Plus Class Only

NOTE: Both Cincinnati Life and Prudential will also consider you at non-smoker rates if you use smokeless chewing tobacco.

 

Companies that offer Non-Smoker Rates for Occasional Cigar Use

If you’re not a daily cigar smoker and only smoke occasionally or on special occasions, then you can possibly qualify for the best health classifications with several of the top life insurance companies available.

When applying for occasional cigar smoker life insurance coverage, you must admit to use on both the application and exam. If your life insurance requires a medical exam, your urinalysis must also come back negative for nicotine. A positive urinalysis for nicotine will result in automatic tobacco rates.

Since all life insurance companies view cigar use differently, we have put together a list of the best life insurance companies that will consider you at non-tobacco rates for cigar smoker life insurance, depending on amount used.

 

American General (AIG)

AIG Life Insurance Quote

American General (AIG) will approve at non-smoker rates with no more than one cigar per week. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard

 

Banner Life Insurance

Banner Life Insurance Quote

Banner Life Insurance will approve at non-smoker rates with no more than one cigar per month. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard

 

Genworth Life Insurance

Genworth Life Insurance Quote

Genworth Life Insurance will approve at non-smoker rates, with no more than twelve cigars per year. Use must be admitted on both application and exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard

 

Protective Life Insurance

Protective Life Insurance Quote

Protective Life Insurance will approve at non-smoker rates with no more than six cigars per year. Use must be admitted on both application and exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus & Preferred

 

Transamerica Life Insurance

Transamerica Life Insurance Quote

Transamerica Life Insurance will approve at non-smoker rates with no more than one cigar per month. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard

 

Voya Financial 

Voya Life Insurance Quote

Voya Financial will approve at non-smoker rates with no more than 1 cigar per week. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.

AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard

 

Do you have a Current Cigar Smoker Life Insurance Policy?

When was the last time you had a life insurance policy review? Up until recently, cigar smoker life insurance policies were almost all considered at smoker rates regardless of your use. If your current policy was approved at smoker rates you’re missing out on a ton of savings. Run an instant life insurance quote to the right of the screen to see how much you could be saving. Be sure to select “non-smoker”.

Have questions or need assistance? Send us a message or feel free to call us toll free 888-777-7574.

Your Name (required)

Your Email (required)

Subject

Your Message

Non-Tabacco Rates for Cigar Smoker Life Insurance by Jeffrey Manola Top Quote Life Insurance