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Get Life Insurance as a Cigar Smoker —
Qualify for Non-Smoker Rates
Compare 50+ top life insurance companies that allow cigar use without smoker pricing. Most agents don't know which carriers qualify you — we do.
Under 24 cigars/year? Qualify for Super Preferred non-smoker rates
Under 52 cigars/year? One carrier offers Preferred Plus— we know who
More than 52/year? We still guarantee non-smoker rates with the right carrier
No pressure. No call center. Direct access to the owner.
How Much Does Life Insurance Cost if You Smoke Cigars?
The charts below show some of the top non-smoker life insurance rates available in the market for cigar smokers through LifeStein.com. Pricing includes both applicants smoking under 52 cigars per year and applicants with unlimited cigar use who still qualify for non-smoker life insurance rates through select cigar-friendly carriers.
What Does This Chart Say About Cigars and Life Insurance
The life insurance rate charts below display estimated monthly premiums for male cigar smokers seeking $1 million of term life insurance coverage. The first table shows Preferred Plus non-smoker pricing for applicants smoking under 52 cigars annually, while the second table illustrates non-smoker life insurance rates available for applicants with unlimited cigar use through select carriers available through LifeStein.com.
Rates are shown across multiple term lengths, including 10-year, 15-year, 20-year, 25-year, and 30-year term life insurance policies. As shown in the charts, pricing generally increases with age and longer coverage durations, especially for 25-year and 30-year term policies. The tables also demonstrate how dramatically rates can differ when cigar smokers are properly matched with carriers that offer non-smoker underwriting.
Most online quote engines automatically classify cigar smokers as tobacco users, often leading to significantly higher premiums. LifeStein.com works with carriers that handle cigar underwriting differently, allowing many cigar smokers to secure non-smoker pricing instead of traditional tobacco rates. The carrier selected can have a major impact on long-term policy costs, which is why proper underwriting strategy is critical for cigar users shopping for life insurance.
Carrier Access
We Compare Top-Rated Life Insurance Companies
We work directly with underwriters at each carrier to secure the best possible rate before your application is ever submitted.
Pacific Life
Corebridge
Cincinnati
Mass Mutual
Symetra
Prudential
New York Life
Banner Life
Principal
Lincoln
John Hancock
+178 More
We work directly with underwriters at each carrier to secure the best possible rate before your application is ever submitted — so you never end up with a surprise rating or a decline on your record.
FAQ — Life Insurance for Cigar Smokers
Can cigar smokers get non-smoker life insurance rates?
Yes. Many cigar smokers qualify for non-smoker life insurance rates. Several life insurance companies distinguish occasional cigar use from cigarette smoking and may offer Preferred Plus Non-Smoker, Preferred Non-Smoker, or Standard Non-Smoker underwriting to eligible applicants.
How many cigars can I smoke and still qualify for non-smoker rates?
It depends on the insurance company. Some carriers allow up to 12 cigars per year, while others may allow up to 24, 36, or even 52 cigars annually and still offer non-smoker pricing. A small number of carriers may offer non-smoker rates for more frequent cigar use if all other health factors are favorable.
Do life insurance companies test for nicotine?
Yes. Most fully underwritten life insurance policies include blood and urine testing that can detect nicotine and cotinine. However, a positive nicotine test does not automatically mean you will receive smoker rates. Many carriers have special underwriting guidelines specifically for cigar smokers.
Can I qualify for Preferred Plus rates if I smoke cigars?
Yes. Some life insurance companies offer Preferred Plus Non-Smoker rates to applicants who smoke cigars occasionally. Qualification typically depends on the number of cigars smoked each year, overall health, prescription history, driving record, and medical exam results.
Are cigar smokers treated differently than cigarette smokers?
Absolutely. Cigarette smokers almost always receive smoker rates. Cigar smokers are frequently eligible for non-smoker underwriting, depending on usage patterns and carrier guidelines. Choosing the right company can reduce premiums by thousands of dollars per year.
What if I smoke cigars every week?
Weekly cigar smokers may still qualify for non-smoker rates with certain carriers. Underwriting outcomes vary significantly between insurance companies, which is why comparison shopping is critical for frequent cigar users.
Can daily cigar smokers get life insurance?
Yes. Daily cigar smokers can still obtain life insurance coverage. While some companies will classify daily cigar users as tobacco users, others may offer more favorable underwriting than traditional cigarette smoker classifications.
Do occasional cigar smokers pay more than non-smokers?
Sometimes. Some carriers offer identical non-smoker pricing, while others may apply a small surcharge. The difference depends entirely on the insurance company's underwriting philosophy.
What is the best life insurance company for cigar smokers?
There is no single best company for every cigar smoker. The best carrier depends on age, health history, cigar frequency, prescription history, coverage amount, and policy duration. Companies that are highly competitive for cigar smokers often change over time as underwriting guidelines evolve.
Can cigar smokers buy term life insurance?
Yes. Most cigar smokers purchase term life insurance because it provides the largest death benefit for the lowest monthly premium. Coverage periods commonly include 10-year, 15-year, 20-year, 25-year, and 30-year terms.
Can cigar smokers buy whole life insurance?
Yes. Cigar smokers can qualify for both whole life insurance and universal life insurance. However, underwriting classifications still impact pricing, making carrier selection extremely important.
What happens if I quit smoking cigars?
If you stop smoking cigars, you may qualify for a better underwriting classification in the future. Most insurance companies require a period of nicotine-free use before considering an applicant for improved rates.
Do premium cigars receive different treatment than flavored cigars?
Generally, no. Most insurance companies focus on nicotine exposure and usage frequency rather than the specific cigar brand. Underwriters are typically more concerned with how often you smoke than which cigar you choose.
Can I smoke cigars after my life insurance policy is issued?
Yes. Life insurance policies are generally priced based on your health and lifestyle at the time of application. Once the policy is issued, future cigar use usually does not affect existing premiums.
Will a medical exam be required?
Not always. Many cigar smokers qualify for no-exam life insurance policies. However, applicants seeking the most competitive rates often benefit from fully underwritten policies that include a medical exam.
Can cigar smokers get $1 million or more of coverage?
Yes. It is common for cigar smokers to qualify for $1 million, $2 million, $3 million, $5 million, or even larger life insurance policies. Coverage eligibility depends on income, net worth, age, and overall health.
How much more expensive are smoker rates compared to non-smoker rates?
Smoker rates are often two to four times higher than comparable non-smoker rates. For high coverage amounts such as $1 million or more, the difference can exceed tens of thousands of dollars over the life of the policy.
Should I tell the insurance company that I smoke cigars?
Yes. Always disclose cigar use honestly during the application process. Failing to disclose tobacco use can create issues during underwriting and could potentially affect future claims.
Why should cigar smokers compare multiple life insurance companies?
Because underwriting rules vary dramatically. One carrier may classify a cigar smoker as a tobacco user, while another may offer Preferred Non-Smoker or even Preferred Plus Non-Smoker rates. Comparing multiple companies is often the single biggest factor in securing the lowest premium.
How does LifeStein help cigar smokers find lower rates?
LifeStein compares life insurance rates from more than 50 companies and understands which carriers are most favorable toward cigar smokers. By matching applicants with the right underwriting guidelines, many cigar users are able to qualify for significantly lower premiums than they would receive through a single insurance company.
$1 Million Life Insurance Cost for Cigar Smokers by Age
The rates below show the average monthly cost of a $1 million 20-year term life insurance policy for healthy male cigar smokers who smoke fewer than 52 cigars per year and qualify for Preferred Plus non-smoker underwriting through select cigar-friendly life insurance companies. Rates derived from your uploaded pricing table.
Age 25
A healthy 25-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 26
A healthy 26-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 27
A healthy 27-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 28
A healthy 28-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 29
A healthy 29-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 30
A healthy 30-year-old male cigar smoker can expect to pay approximately $28.72 per month for a $1 million 20-year term life insurance policy.
Age 31
A healthy 31-year-old male cigar smoker can expect to pay approximately $29.38 per month for a $1 million 20-year term life insurance policy.
Age 32
A healthy 32-year-old male cigar smoker can expect to pay approximately $30.06 per month for a $1 million 20-year term life insurance policy.
Age 33
A healthy 33-year-old male cigar smoker can expect to pay approximately $30.73 per month for a $1 million 20-year term life insurance policy.
Age 34
A healthy 34-year-old male cigar smoker can expect to pay approximately $31.40 per month for a $1 million 20-year term life insurance policy.
Age 35
A healthy 35-year-old male cigar smoker can expect to pay approximately $32.10 per month for a $1 million 20-year term life insurance policy.
Age 36
A healthy 36-year-old male cigar smoker can expect to pay approximately $34.65 per month for a $1 million 20-year term life insurance policy.
Age 37
A healthy 37-year-old male cigar smoker can expect to pay approximately $37.76 per month for a $1 million 20-year term life insurance policy.
Age 38
A healthy 38-year-old male cigar smoker can expect to pay approximately $41.00 per month for a $1 million 20-year term life insurance policy.
Age 39
A healthy 39-year-old male cigar smoker can expect to pay approximately $44.18 per month for a $1 million 20-year term life insurance policy.
Age 40
A healthy 40-year-old male cigar smoker can expect to pay approximately $48.16 per month for a $1 million 20-year term life insurance policy.
Age 41
A healthy 41-year-old male cigar smoker can expect to pay approximately $53.56 per month for a $1 million 20-year term life insurance policy.
Age 42
A healthy 42-year-old male cigar smoker can expect to pay approximately $59.68 per month for a $1 million 20-year term life insurance policy.
Age 43
A healthy 43-year-old male cigar smoker can expect to pay approximately $66.86 per month for a $1 million 20-year term life insurance policy.
Age 44
A healthy 44-year-old male cigar smoker can expect to pay approximately $74.60 per month for a $1 million 20-year term life insurance policy.
Age 45
A healthy 45-year-old male cigar smoker can expect to pay approximately $83.65 per month for a $1 million 20-year term life insurance policy.
Age 46
A healthy 46-year-old male cigar smoker can expect to pay approximately $89.38 per month for a $1 million 20-year term life insurance policy.
Age 47
A healthy 47-year-old male cigar smoker can expect to pay approximately $97.87 per month for a $1 million 20-year term life insurance policy.
Age 48
A healthy 48-year-old male cigar smoker can expect to pay approximately $107.13 per month for a $1 million 20-year term life insurance policy.
Age 49
A healthy 49-year-old male cigar smoker can expect to pay approximately $116.83 per month for a $1 million 20-year term life insurance policy.
Age 50
A healthy 50-year-old male cigar smoker can expect to pay approximately $127.59 per month for a $1 million 20-year term life insurance policy.
Age 51
A healthy 51-year-old male cigar smoker can expect to pay approximately $140.35 per month for a $1 million 20-year term life insurance policy.
Age 52
A healthy 52-year-old male cigar smoker can expect to pay approximately $155.02 per month for a $1 million 20-year term life insurance policy.
Age 53
A healthy 53-year-old male cigar smoker can expect to pay approximately $173.12 per month for a $1 million 20-year term life insurance policy.
Age 54
A healthy 54-year-old male cigar smoker can expect to pay approximately $192.09 per month for a $1 million 20-year term life insurance policy.
Age 55
A healthy 55-year-old male cigar smoker can expect to pay approximately $214.51 per month for a $1 million 20-year term life insurance policy.
Age 56
A healthy 56-year-old male cigar smoker can expect to pay approximately $238.59 per month for a $1 million 20-year term life insurance policy.
Age 57
A healthy 57-year-old male cigar smoker can expect to pay approximately $266.29 per month for a $1 million 20-year term life insurance policy.
Age 58
A healthy 58-year-old male cigar smoker can expect to pay approximately $300.56 per month for a $1 million 20-year term life insurance policy.
Age 59
A healthy 59-year-old male cigar smoker can expect to pay approximately $336.40 per month for a $1 million 20-year term life insurance policy.
Age 60
A healthy 60-year-old male cigar smoker can expect to pay approximately $378.71 per month for a $1 million 20-year term life insurance policy.
Age 61
A healthy 61-year-old male cigar smoker can expect to pay approximately $431.98 per month for a $1 million 20-year term life insurance policy.
Age 62
A healthy 62-year-old male cigar smoker can expect to pay approximately $500.99 per month for a $1 million 20-year term life insurance policy.
Age 63
A healthy 63-year-old male cigar smoker can expect to pay approximately $560.05 per month for a $1 million 20-year term life insurance policy.
Age 64
A healthy 64-year-old male cigar smoker can expect to pay approximately $637.38 per month for a $1 million 20-year term life insurance policy.
Age 65
A healthy 65-year-old male cigar smoker can expect to pay approximately $729.94 per month for a $1 million 20-year term life insurance policy.
Rates shown are averages of competitive market pricing for healthy male cigar smokers qualifying for Preferred Plus non-smoker underwriting. Actual premiums vary by carrier, health history, prescription history, state, and underwriting approval. LifeStein compares rates from more than 50 life insurance companies to help consumers find the best available pricing.
$1 Million Life Insurance Cost for Cigar Smokers by Age (Unlimited Cigar Use)
The rates below show the average monthly cost of a $1 million 20-year term life insurance policy for healthy male cigar smokers who qualify for non-smoker underwriting through select cigar-friendly life insurance companies, even with unlimited cigar use. Rates are based on competitive market pricing and underwriting guidelines available at the time of publication.
Age 25
A healthy 25-year-old male cigar smoker can expect to pay approximately $48.59 per month for a $1 million 20-year term life insurance policy.
Age 26
A healthy 26-year-old male cigar smoker can expect to pay approximately $49.43 per month for a $1 million 20-year term life insurance policy.
Age 27
A healthy 27-year-old male cigar smoker can expect to pay approximately $49.43 per month for a $1 million 20-year term life insurance policy.
Age 28
A healthy 28-year-old male cigar smoker can expect to pay approximately $50.28 per month for a $1 million 20-year term life insurance policy.
Age 29
A healthy 29-year-old male cigar smoker can expect to pay approximately $50.28 per month for a $1 million 20-year term life insurance policy.
Age 30
A healthy 30-year-old male cigar smoker can expect to pay approximately $51.97 per month for a $1 million 20-year term life insurance policy.
Age 31
A healthy 31-year-old male cigar smoker can expect to pay approximately $54.50 per month for a $1 million 20-year term life insurance policy.
Age 32
A healthy 32-year-old male cigar smoker can expect to pay approximately $56.19 per month for a $1 million 20-year term life insurance policy.
Age 33
A healthy 33-year-old male cigar smoker can expect to pay approximately $58.73 per month for a $1 million 20-year term life insurance policy.
Age 34
A healthy 34-year-old male cigar smoker can expect to pay approximately $61.26 per month for a $1 million 20-year term life insurance policy.
Age 35
A healthy 35-year-old male cigar smoker can expect to pay approximately $65.49 per month for a $1 million 20-year term life insurance policy.
Age 36
A healthy 36-year-old male cigar smoker can expect to pay approximately $70.56 per month for a $1 million 20-year term life insurance policy.
Age 37
A healthy 37-year-old male cigar smoker can expect to pay approximately $75.63 per month for a $1 million 20-year term life insurance policy.
Age 38
A healthy 38-year-old male cigar smoker can expect to pay approximately $81.54 per month for a $1 million 20-year term life insurance policy.
Age 39
A healthy 39-year-old male cigar smoker can expect to pay approximately $87.46 per month for a $1 million 20-year term life insurance policy.
Age 40
A healthy 40-year-old male cigar smoker can expect to pay approximately $94.22 per month for a $1 million 20-year term life insurance policy.
Age 41
A healthy 41-year-old male cigar smoker can expect to pay approximately $102.67 per month for a $1 million 20-year term life insurance policy.
Age 42
A healthy 42-year-old male cigar smoker can expect to pay approximately $110.27 per month for a $1 million 20-year term life insurance policy.
Age 43
A healthy 43-year-old male cigar smoker can expect to pay approximately $119.57 per month for a $1 million 20-year term life insurance policy.
Age 44
A healthy 44-year-old male cigar smoker can expect to pay approximately $129.71 per month for a $1 million 20-year term life insurance policy.
Age 45
A healthy 45-year-old male cigar smoker can expect to pay approximately $141.54 per month for a $1 million 20-year term life insurance policy.
Age 46
A healthy 46-year-old male cigar smoker can expect to pay approximately $154.21 per month for a $1 million 20-year term life insurance policy.
Age 47
A healthy 47-year-old male cigar smoker can expect to pay approximately $168.58 per month for a $1 million 20-year term life insurance policy.
Age 48
A healthy 48-year-old male cigar smoker can expect to pay approximately $184.63 per month for a $1 million 20-year term life insurance policy.
Age 49
A healthy 49-year-old male cigar smoker can expect to pay approximately $201.53 per month for a $1 million 20-year term life insurance policy.
Age 50
A healthy 50-year-old male cigar smoker can expect to pay approximately $221.81 per month for a $1 million 20-year term life insurance policy.
Age 51
A healthy 51-year-old male cigar smoker can expect to pay approximately $242.94 per month for a $1 million 20-year term life insurance policy.
Age 52
A healthy 52-year-old male cigar smoker can expect to pay approximately $267.44 per month for a $1 million 20-year term life insurance policy.
Age 53
A healthy 53-year-old male cigar smoker can expect to pay approximately $293.64 per month for a $1 million 20-year term life insurance policy.
Age 54
A healthy 54-year-old male cigar smoker can expect to pay approximately $318.32 per month for a $1 million 20-year term life insurance policy.
Age 55
A healthy 55-year-old male cigar smoker can expect to pay approximately $346.72 per month for a $1 million 20-year term life insurance policy.
Age 56
A healthy 56-year-old male cigar smoker can expect to pay approximately $391.72 per month for a $1 million 20-year term life insurance policy.
Age 57
A healthy 57-year-old male cigar smoker can expect to pay approximately $444.02 per month for a $1 million 20-year term life insurance policy.
Age 58
A healthy 58-year-old male cigar smoker can expect to pay approximately $505.82 per month for a $1 million 20-year term life insurance policy.
Age 59
A healthy 59-year-old male cigar smoker can expect to pay approximately $569.11 per month for a $1 million 20-year term life insurance policy.
Age 60
A healthy 60-year-old male cigar smoker can expect to pay approximately $639.24 per month for a $1 million 20-year term life insurance policy.
Age 61
A healthy 61-year-old male cigar smoker can expect to pay approximately $705.22 per month for a $1 million 20-year term life insurance policy.
Age 62
A healthy 62-year-old male cigar smoker can expect to pay approximately $791.02 per month for a $1 million 20-year term life insurance policy.
Age 63
A healthy 63-year-old male cigar smoker can expect to pay approximately $888.32 per month for a $1 million 20-year term life insurance policy.
Age 64
A healthy 64-year-old male cigar smoker can expect to pay approximately $999.72 per month for a $1 million 20-year term life insurance policy.
Age 65
A healthy 65-year-old male cigar smoker can expect to pay approximately $1,130.72 per month for a $1 million 20-year term life insurance policy.
Rates shown are averages of the lowest available market pricing for healthy applicants qualifying for non-smoker underwriting despite cigar use. Rates are subject to change and individual underwriting approval. LifeStein compares rates from more than 50 life insurance companies to help consumers find the best available pricing.