Cigar Smokers Life Insurance - What you should know in order to get the best rate.
If you smoke cigars, many term life insurance companies will treat you as a tobacco user. Your term life insurance rates may be 2-3 times more expensive than a non-smoker.
Life Insurance for Cigar Smokers - Did you know that non-smoker rates are available to you if you smoke cigars?
It's true.
Why pay 3 times more than you need to just because you smoke cigars. You don't have to. You can tell the term life insurance companies about your cigar use and still qualify for a non-tobacco rate. You can even smoke a cigar at your paramed exam with some life insurance companies and still get a non-smoker rate!!!
Each term life insurance company has its own set of underwriting guidelines. We maintain copies of those life insurance underwriting guidelines. We know which companies to go to, the cigar underwriting guidelines of those companies, how many cigars per year that you are allowed to have, whether your urine sample has to be negative for tobacco or not, etc. We can tell you based on your specific circumstances which company will be best for you!
Am I cheating to get a non-smoker rate?
ABSOLUTELY NOT! Some life insurance companies recognize that cigar smoking may not carry the same risks as other tobacco use does.
Each term life insurance company has its own set of guidelines regarding cigar use. Life insurance rates for cigar smokers will depend on how many cigars you smoke, how often, if your urine sample is negative for tobacco.
We Know the Rules!
It's not a secret. We'll tell you which companies will give you the best non-tobacco rate based on your cigar use. We'll tell you which term life insurance companies will require a negative urine specimen in order to qualify for the non-smoker life insurance rate. You will know this information BEFORE you apply for life insurance!
How Do I get a Non-Smoker Rate if I Smoke Cigars?
The correct answer depends on how often you have a cigar, how many you have per a given timeframe, is your urine sample positive or negative for tobacco.
Do You only smoke an occasional cigar?
No problem. Many term life insurance companies offer their best non-tobacco rates for occasional cigar smokers. We match you to the best company based on your occasional cigar use.
Do you Smoke Cigars all the time?
No problem. There are a few term life insurance companies available that will offer you non-tobacco rates, even if you smoke cigars every day.
Does My Urine Sample have to be Negative?
It depends on the company. We'll tell you what the guidelines say for the company you are applying to.
Recent Example (keep in mind that rates change all the time..call us for current rates)
Male - age 45 - preferred best health, wants $500,000 - 20 year term. The best non-smoker rate in the country is $625 per year. If you smoke an occasional cigar, you wouldn't get this rate, but it may be possible to get a $660 rate. Compare that to the most competitive smoker rate at $2,001 per year!
How Do We Get You the Best Rate?
We maintain a database of competitive life insurance rates and underwriting guidelines. Call us for a free no pressure, no obligation comparison.
Call us today at Toll Free (800) 909-2040 to get a free, no pressure, no obligation comparison.
