Cigar Smokers get Non-Tobacco Life insurance rates every time with us!
Cigar Smokers Life Insurance Overview
At RiskQuoter.com, our tobacco underwriting expertise will help you get the best life insurance rates available!
Cigar Smoking Rules by Company
|Company||Preferred Best||Preferred||Standard Plus||Standard|
|AIG||1x – week||1x – week||1x – week||1x – week|
|AXA||1x – month||1x – month||n/a||1x – month|
|Banner||1x – month||1x – month||1x – month||1x – month|
|Brighthouse||n/a||4x – year||1x – month||1x – month|
|John Hancock||1x – month||1x – month||2x – month||unlimited|
|Lincoln||1x – month||2x – month||n/a||unlimited|
|Minnesota||1x – month||2x – month||2x – month||2x – month|
|Nationwide||1x – month||5x – month||n/a||5x – month|
|Principal||1x – month||2x – month||2x – month||2x – month|
|Protective||6x – year||1x – month||n/a||1x – month|
|Prudential||2x – month||2x – month||unlimited||unlimited|
|Symetra||2x – month||2x – month||2x – month||2x – month|
|Omaha||2x – month||2x per month||2x – month||2x – month|
We’ll tell you who is best based on your smoking history.
Daily Cigar Smokers
Daily cigar smokers qualify for non-tobacco rates as long as there is no cigarette smoking.
You can even smoke at your paramed exam with some life insurance companies and still get a non-smoker rate!
The 3 most competitive companies for daily cigar smokers…
Have underwriting rules that you must meet in order to get the non-tobacco rates:
- No Cigarette Smoking in the past 12 months
- Other Tobacco Use if any needs to be discussed with us.
- The application indicates daily cigar use
- Medical records are consistent regarding smoking status
- Your lab results may be positive for Cotinine which is derived from nicotine and what insurers look for in labs.
The 3 best life insurers for most daily smokers are:
Prudential – Is the best overall for cigar smokers as their “Non-Smoker Plus” rate is available.
Lincoln Financial Group and John Hancock will both consider “Standard Non-Tobacco” rates for cigar smokers.
John Hancock requires no other tobacco use in the past 12 months.
Occasional Cigar Smoking
If you smoke the occasional cigar and have good health,
A “preferred” or “preferred best” rate is possible.
Most companies offer non-tobacco rates for occasional cigar use.
Your lab results must be negative to obtain these rates,
And the frequency of occasional cigar use will determine which life insurer is best for you.
Here are some examples of occasional cigar use:
AIG/American General – 1 cigar per week = Preferred Plus
Banner Life – 1 cigar per month = Preferred Plus rates.
Protective Life – 6 cigars per year = Select Preferred rates.
Prudential – 2 cigars per month = Preferred Best rates.
Occasional Cigar Pitfalls
The following factors may ruin your day with the wrong company:
- Recent approval at tobacco rates – Some companies hold this against you.
- Other Tobacco Use- Limits the choice of companies
- Medical Records – Will your medical records match your cigar usage on the application?
- High-risk medical conditions
We’ll tell you which life insurers are best for you and will provide you with the rules up front so you don’t overpay.
If you smoked a cigar at a wedding, bachelor party, etc.
It’s not going to be a problem with 99% of life insurers.
Just let us know and we’ll steer you to the right term life companies.
Just make sure your lab results are negative and admit the celebratory cigar on the application.
Former Cigar Smokers
This applies to daily cigar smokers who recently quit.
During the first 12 months after you quit, the best rate opportunity will be the same as a daily cigar smoker.
After 12 months, we can get you the best non-tobacco life insurance rate classes with some companies,
As long as you would otherwise qualify for the best rates.
Other Tobacco Use with Cigars
If you use other forms of tobacco and smoke cigars, the companies available are limited.
Prudential at their Non-Smoker Plus rate is the best option.
They’ll still consider non-tobacco rates for other tobaccos.
As of 10/2019, Prudential treats e-cigarettes as tobacco use.
Other companies may reconsider their tobacco underwriting in the future due to long-term health risks as described by the CDC.
Lincoln will consider Standard Non-Tobacco rates if the other tobacco use is chewing tobacco or pipe tobacco.
Cigar Smokers Lab Tests
Many people ask us:
Am I cheating to get a cigar non-smoker life rate?
Some life insurance carriers recognize that cigar smoking does not have the same health risks as say cigarette smoking.
On the application, you’ll indicate that you smoke cigars and the frequency of cigar use.
Life insurance paramed exams test for Cotinine which is derived from nicotine use…
Make sure yours is negative if applying for the best rates.
Cigar Smoking Rules by Life Insurer
The rules for cigar smokers change on a regular basis.
All cigar smokers receive non-tobacco life insurance rates at Prudential! That’s right.
You may smoke cigars every day of the year, and Prudential will still give you a “non-smoker plus” life insurance rate.
Your urine specimen may be positive for the nicotine byproduct cotinine, as Prudential does not care about this.
Prudential is the only life insurance company in the industry that will offer “non-smoker plus” rates for daily cigar smokers.
In fact, only a handful of life insurance companies offer non-tobacco life insurance rates for daily cigar smokers.
We maintain a database of competitive life insurance rates and underwriting guidelines.
We’ll match you to the best companies and show you why our recommendation is the best rate available to you.
Please take a few minutes to complete your quote request today. Thank you.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.