Non-Tobacco Rates for Cigar Smoker Life Insurance

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NON-TOBACCO RATES FOR CIGAR SMOKER LIFE INSURANCE
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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! 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 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.

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

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

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.

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Jeffrey Manola

Jeffrey Manola

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 best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Or give us a call...888-777-7574