Affordable Life Insurance for Smokers of Cigars

Do you smoke cigars?  Do you have life insurance ?  Are you paying the rates of a regular cigarette smoker?  Pity if you are because there are many life insurance companies that recognize that not all smokers are created equally, and finding those companies can save you a lot of money on life insurance.

Many life insurance companies simply lump smokers of any kind, regardless of product or frequency, in to the same non-standard category.  As a result, rates for smokers, whether cigar or cigarette, are almost double what they would otherwise be.

But cigar smokers use their product much differently than cigarette smokers and therefore are typically less susceptible to some of the harmful effects of tobacco.  There is less overall tobacco consumed on a daily basis, and cigar smokers tend not to enhale cigar smoke as deeply if at all.

Unfortunately, every cigar smoker is faced with a dilemma when filling out a life insurance application about whether or not to report the habit.  To some degree this is understandable if the smoking occurs once every month or couple of weeks.  Unfortunately, it also carries with it the risk that it could nullify the life insurance policy if it were ever discovered, and life insurance companies are far more sophisticated in discovering such secrets than might be commonly supposed.

Make sure you are truthful on you life insurance questionaire about cigar smoking

Most of the life insurance that is sold in the U.S. requires a medical exam which will test both urine and blood for various chemicals including nicotine.  The amount of money you pay for life insurance will depend, in part, on the results of this test.  If you write down on your application that you don't smoke tobacco of any kind, and nicotine is found, it will make the life insurance company suspicious about the answers provided to other questions.  Additionally, if it was found that you were not truthful about the answers you provided on your life insurance questionaire, it might void the policy when your heir(s) try to collect.  For this reason, it is an extremely bad idea to not divulge tobacco use of any kind including cigars.  Instead, find a company that has many different rating categories for smokers and treats cigar smokers a little more favorably. 

You can expect to pay a little more for life insurance because you smoke cigars, but in most cases it certainly shouldn't be as much as a person who smokes a pack a day.  Get a quote today and find out how much as a cigar smoker you could be saving on life insurance.