Do cigar smokers pay higher life insurance rates?

It depends. Occasional cigar smokers may qualify for non-smoker rates, but frequent cigar use may result in higher premiums. Some insurers are more lenient than others.

Are there no-medical-exam life insurance options for cigar smokers?

Yes! Some life insurance policies allow cigar smokers to apply without a medical exam, making the approval process faster and easier.

Cigars and Life Insurance: How Smoking Affects Your Coverage

Q: Can you get life insurance if you smoke cigars?

Yes! Cigar smokers can still qualify for life insurance, but rates vary depending on frequency of use and the insurer’s underwriting guidelines. LifeStein helps cigar smokers secure the best rates available.

mattmims
Feb 22
3 min read

Can You Get Life Insurance If You Smoke Cigars?

Many cigar smokers wonder how their habit impacts their ability to secure life insurance. The good news is that while smoking cigars can affect your life insurance rates, it doesn’t mean you’ll be automatically classified as a high-risk applicant. LifeStein.com specializes in finding the best life insurance for cigar smokers, ensuring you get the best possible rates despite your tobacco use. Here is your cigar life insurance link: Cigar Life Insurance.

How Cigars Affect Life Insurance Rates

Life insurance companies categorize applicants based on risk factors, and tobacco use is one of the most significant considerations. However, cigar smokers are often treated differently than cigarette smokers, depending on several factors:

Frequency of Use – Occasional cigar smokers may still qualify for non-smoker rates with certain insurers.
Nicotine Testing – Many insurers require a medical exam, including a test for nicotine in your system.
Honesty on Applications – It’s crucial to disclose your cigar use accurately. If an insurer discovers unreported tobacco use, it could lead to policy cancellation or denied claims.

At LifeStein.com, we have access to every major life insurance company and know which insurers offer the most lenient underwriting for cigar smokers. Here is your guide to secure life insurance if you smoke cigars.

How to Get the Best Life Insurance Rates as a Cigar Smoker

1. Work with an Expert Broker

Not all insurers treat cigar smoking the same way. Some will classify you as a smoker even if you only enjoy an occasional cigar, while others may still offer non-smoker rates. At LifeStein.com, we specialize in securing policies from insurers that are more lenient toward cigar smokers.

2. Consider a No-Medical Exam Policy

If you smoke cigars occasionally, a no-medical-exam life insurance policy may be an excellent option. Some policies do not test for nicotine, allowing cigar smokers to avoid higher premiums.

3. Know Which Insurance Companies Are Cigar-Friendly

Some insurers are more forgiving of occasional cigar use than others. LifeStein works with top-rated life insurance companies and understands which ones offer the best rates for cigar smokers.

4. Improve Other Health Factors

Your overall health plays a significant role in your life insurance premium. Even if you smoke cigars, maintaining a healthy lifestyle, including regular exercise and a balanced diet, can help secure better rates.

Does LifeStein.com Offer Life Insurance for Cigar Smokers?

Absolutely! LifeStein.com provides personalized assistance to help cigar smokers secure the best life insurance coverage at the most competitive rates. Unlike traditional agents who may not prioritize your needs, when you work with LifeStein, you’ll deal directly with Matt Mims, the owner, who is committed to finding the best policy for you.