If you are looking for the best term life insurance rates for cigar smokers, this guide will provide you with the underwriting guidelines of some of the top term life insurance companies and how to get the best rates. The good news is that you can get non-tobacco rates if you only smoke cigars and don’t use any other form of nicotine. This guide will help you find which companies treat cigar smokers most favorably, which means you get better rates, and can save money. If you want to skip reading the article and just get a quote, you can fill out this life insurance quote form here, otherwise below the form are the guidelines.
This post is going to look at ways that you can get affordable life insurance as a cigar smoker. Hopefully, this will answer any questions that you have about life insurance and cigar smoking. If not, you can always contact me with any additional questions that you might have.
There are several term life insurance companies that will offer you non tobacco rates for smoking cigars, however each company has their guidelines as far as how many cigars you can smoke per year, and what type of Non-Smoker health rating you can get (There are 4 non smoker health ratings – Preferred Plus, Preferred, Standard Plus, Standard). The better the health rating the cheaper your life insurance policy price will be. Will all life insurance companies, to qualify for non-smoker rates if you smoke cigars, you have to admit that you smoke cigars on the application as well as test negative for nicotine metabolites (which means you don’t smoke cigarettes).
I’ll group life insurance companies based on their similarity in guidelines for cigar smokers.
Prudential is by far the most liberal company when it comes to cigar smokers. With Prudential you can get approved at Non-Smoker Plus rates, regardless of how many cigars you smoke per year. In fact with Prudential you can qualify for Non Smoker Plus even if you use chewing tobacco, or use a nicotine patch or nicotine gum. If you smoke more than 1 cigar per week, Prudential Life would be the best choice.
To learn more about this company, visit our Prudential Life Insurance Company Review.
If you smoke a cigar once per week or less than that, you can compare pricing with American General Life Insurance. American General will consider you up to or preferred plus rates with cigar smoking of once a week or less, as long as you haven’t smoked anything else other than cigars for the previous 5 years. If that is the case, I would compare life insurance quotes for smokers and consider American General.
To learn more about this company, visit our American General Term Life Insurance Review.
ING is also a good choice if you are a more frequent cigar smoker. ING will disregard cigar smoking and consider you for up to Preferred Plus Non Smoker rates if you smoke a cigar once a week or less and fully admit that you smoke Cigars on the life insurance application.
To learn more about this company, visit our ING Reliastar Life Insurance Review.
You can qualify for Preferred Plus Non Tobacco rates with Banner Life Insurance if you smoke 1 cigar or less per month and haven’t smoked cigarettes in the last 36 months. If you haven’t smoked cigarettes in the last 2 years, and smoke 1 cigar per month or less, you can qualify for preferred non tobacco rates. Banner will consider you for Standard Plus or Standard Non Smoker rates if you are cigarette free for over 12 months and smoke a maximum of 1 cigar per month.
To learn more about this company, visit our Banner Life Insurance Company Review.
Genworth Life Insurance will consider you for up to Preferred Plus Non Tobacco rates if you smoke less than 12 Cigars per year.
To learn more about this company, visit our Genworth Life Insurance Company Review.
MetLife will consider you for Non Tobacco rates if you smoke less than 4 cigars per year. Obviously if you smoke less than 4 cigars per year, consider MetLife in your comparison-shopping. If you smoke more than 4 cigars per year, they are not the best choice for you.
To learn more about this company, visit our MetLife Insurance Company Review.
If you smoke one cigar per month or less, Mutual of Omaha will consider you for up to Preferred Plus rates and would be a good choice to consider.
To learn more about this company, visit our Mutual of Omaha Life Insurance Company Review.
Protective Life Insurance will consider you for up to Preferred Plus Non Smoker rates if you smoke less than 6 cigars per year. They will consider you for Preferred Non Smoker rates if you smoke less than 12 Cigars per year. If you smoke less than 6 cigars per year, I would recommend that you consider Protective Life if you are a cigar smokers.
To learn more about this company, visit our Protective Life Insurance Company Review.
When we talk to clients, one of the most common reasons that people don’t buy life insurance is because they assume that going to be too expensive. In most cases, that couldn’t be further from the truth. There are several ways that you can lower your insurance rates and keep more money in your pockets.
Before you apply for life insurance, you should spend some time focusing on your health. Unless you buy a no exam plan, the results of your medical exam are going to play an important role in how much you pay every month for life insurance. Joining a gym and skipping that extra donut are both great ways to lose weight, lower your blood pressure, and much more. If you’re overweight, then you’re going to pay around 50% more every month for your insurance protection.
The best way to ensure that you’re getting the lowest rates is to compare dozens of plans before you decide which one is best for you. Every insurance company is different, and all of them are going to view cigar smokers different and they will all offer you different rates on your coverage. Finding the perfect company for you can be the difference in getting an affordable plan or one that’s going to break your bank every month. There are hundreds of companies on the market, and you could spend hours calling all of those companies, let one of our agents do all of that hard work for you. We are a group of independent agents, which means that we don’t work with one single company. Instead, we represent dozens of highly rated companies across the country and we can bring a personalized set of quotes directly to you.
If you are looking for the best term life insurance rates for cigar smokers, than get quotes below or use our contact us form and I can help you find the best rates for life insurance among the top life insurance companies.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance coverage that your family deserves. If something tragic were to happen to you, and you didn’t have life insurance coverage, then your family would be left with a massive amount of debt and other final expenses.