Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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If you compare the life insurance rates of a non-tobacco user with the rates of a tobacco user, you will notice a considerable 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 companies, you can now qualify for non-smoker rates even if you smoke cigars here an there. There is also a company that will allow you to enjoy a cigar every day and still consider you at non-smoker rates.

Even though cigars are a form of tobacco, many life insurance companies have become very lenient when it comes to occasional cigar use.

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! 

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Table of Contents

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.

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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 Prudential Life Insurance does.

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 Prudential, you’re in luck!

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 using 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 the amount used.

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American General (AIG)

AIG Life Insurance Quote

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

BEST HEALTH CLASS: Preferred Non-Smoker

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 Non-Smoker

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

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Protective Life Insurance

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

Your one-stop online guide for life insurance quotes. Get free quotes now!

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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?

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