Life Insurance for Cigar Smokers

Life insurance for cigar smokers at non-smoker rates? Yes!

Life Insurance for Cigar Smokers at Non-Smoker Rates?

Yes, absolutely! This is the fun part about being an independent life insurance agent representing over 100 different companies. Unlike “captive agents” (those representing only one carrier) we represent just about every competitive life insurance company in the market today. This means that we can find the best life insurance policy for your situation and handle special situations like life insurance for cigar smokers at non-smoker rates, life insurance with preferred rates for private pilots and even preferred rates for people with diabetes!

If you smoke the occasional cigar, chances are that you will be considered a smoker (or “tobacco user”) by most life insurance carriers.

But this isn’t universally true. There are several carriers that will issue you a policy at non-smoker rates. Here are the general criteria in order to be considered for non-smoker rates:

  • No more than 1 cigar per month
  • Test negative for nicotine at the time of your insurance paramedical exam
  • Be honest on your application about your use of cigars
All right, so, there are companies that will issue a cigar smoker a policy at non-smoker rates, but which carriers are they? If you visit some websites, they will tell you to call them or fill out a form to get this information, but I am not going to do that. I figure that if you value this information enough and you trust us to handle the paperwork, you will get in touch with us when you are ready to buy a life insurance policy.

So who will issue life insurance for cigar smokers at non-smoker rates?

These are my top three choices:

  • Prudential Insurance
  • American General
  • Genworth Life
There you go. Any of these carriers will consider you a non-smoker if you are just an occasional cigar smoker! So don’t let that hold you back. Go ahead and find some rates using our life insurance rates tool (make sure you indicate non-smoker!), take a close look at the rate for the companies that I listed up above, and then request an application! We will get it sent out to you and process your application as soon as you return it to us.
As always, feel free to contact us if we can answer any questions or be of service to you.
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About The Author

Richard Eddy

Founder of and Cona Financial Group Richard Eddy has been assisting clients with their life insurance needs since 2005. He is an expert helping people find the right policy to fit their specific situation. In addition to insurance planning, he is also experienced in a wide range of financial planning topics including investment and portfolio analysis, tax planning, retirement planning and estate preservation strategies. You can call Richard toll-free at (877) 883-3561.