Life Insurance for Cigar Smokers
Life insurance for cigar smokers may be something that concerns you or a loved one. After all, the number of people who enjoy an occasional cigar are quite a bit more abundant than those who smoke cigarettes, and that cigar may provide rather expensive if you get smokers rates on your term life insurance. As a result, there are several things that you need to ask yourself when getting life insurance rates for cigar smokers. Usually, regardless of your cigar use, there are companies that provide life insurance for cigar smokers at non smoker rates.
How often do you smoke – Life Insurance for Cigar Smokers
Recently, many companies have taken a much more liberal stance when underwriting The critical thing that you need to ask yourself when pursuing life insurance for cigar smokers is simply how often they smoke? Most companies out there have their own interpretations about how many cigars you smoke and how often when considering your final rating. As a general rule of thumb, most life insurance companies will give you non smoker rates if you smoke 1 cigar or less per month, and there are a few that are even more generous in their underwriting definitions of a smoker. However, be careful. There are still companies out there who will give you smoker rates for any type of cigar use.
Life Insurance for cigar smokers depends on presence of nicotine in your urine
Another thing to keep in mind is that these companies usually require that your blood and urine be nicotine free when you are examined, or else a smoker rate will be applied. Usually nicotine does not stay in your system for very long at all if you are a very infrequent cigar user, so provided that it doesn’t show up on the exam, then you should be in the clear when the final underwriting offer is given. However, to be safe, you should probably abstain from smoking any cigars for at least a week prior to taking your life insurance exam.
Not sure which company to quote? Click here to ask us which company would give you the best rate for life insurance for cigar smokers
Some life insurance companies just don’t care about cigars
Finally, there are companies that will give you non smoker term life rates regardless of the amount of use, and even if you have nicotine in your system. The Prudential life insurance company fits this bill. Even if you smoke 6 cigars a day, Prudential will still consider you a non smoker, albeit not best class. As a result, if you are a heavy cigar user, Prudential would be your best bet, and would most likely result in the most substantial savings for your situations.
However, in order to make sure that you are able to get the best life insurance rate for your situation, make sure that you are honest with yourself before going through the underwriting process. Life insurance companies are not going to miss much, so if you try to misrepresent the fact that you use cigars, you will most likely be found out. After all, smoking cigars isn’t that big of a deal any more with most insurance companies when underwriting life insurance for cigar smokers.
Not sure which company to quote? Click here to ask us which company would give you the best rate for life insurance for cigar smokers.
