Can I get non-smoker rates if I smoke cigars?

It depends on the insurer. Some allow occasional cigar use (1-12 per year) without classifying you as a smoker. LifeStein.com has access to every major insurance company and will find the best option for you.

Why should I choose LifeStein.com for life insurance?

LifeStein.com is the easiest place to secure life insurance online. We work with all major life insurance carriers in all 50 states, ensuring you get the best rates. Plus, you’ll have direct access to the owner, Matt Mims, at (601)-218-7854.

Does Smoking Cigars Affect Me Getting Life Insurance?

Q: Does smoking cigars affect me getting life insurance?

Yes, smoking cigars can impact your life insurance rates. Some companies classify occasional cigar smokers as non-smokers, while frequent smokers may receive smoker rates. LifeStein.com helps you find the best policy by working with every major insurer in all 50 states.

mattmims
Feb 26
2 min read

Updated: Mar 1

Does Smoking Cigars Affect Me Getting Life Insurance?

When applying for life insurance, cigar smoking can impact your rates and eligibility. But don’t worry—LifeStein.com makes securing life insurance easy, even if you smoke cigars.

Quick link to get your free cigar user life insurance quote. You will fill out an application, LifeStein will shop your life insurance throughout the entire market place. And then Matt Mims, the owner, will reach out to you directly with your best life insurance quote.

Click here to request your Cigar Life Insurance Quote.

Private and easy way to buy Life Insurance Online for Cigar Smoker — Life Insurance and Cigar Smoker

How Does Smoking Cigars Affect Life Insurance?

Life insurance companies consider cigar smoking a tobacco-related activity, which means it can influence your rates. However, each insurer has different guidelines:

Occasional Cigar Smokers – Some companies allow for occasional cigar use (1-12 cigars per year) without labeling you as a smoker.
Frequent Cigar Smokers – If you smoke more than a few cigars per month, you may be classified as a smoker, leading to higher premiums.
Nicotine Testing – Many insurers require a urine or blood test for nicotine. If it’s detected, you could receive smoker rates.

Get the Best Life Insurance Rates as a Cigar Smoker

Since every insurance company has different rules, working with an expert who has access to all major carriers is key. LifeStein.com is the best solution for cigar smokers.

Why Choose LifeStein.com for Life Insurance?

We Write in All 50 States – No matter where you live, LifeStein can help.
Access to Every Major Carrier – Some companies are more lenient on cigar use, and we’ll find the best option for you.
Direct Contact with the Owner – Work with Matt Mims, the owner of LifeStein, and get direct communication. Call or text (601)-218-7854 anytime.
Easy Online Process – No hassle. Just straightforward life insurance solutions.

Don’t Overpay – Let LifeStein Find the Best Policy for You

If you smoke cigars, your life insurance rates don’t have to be sky-high. LifeStein.com makes the process simple, ensuring you get the best rates by working with every major life insurance company in the U.S.

👉 Click Here to Get a Free Quote Today!

Have questions? Call or text Matt Mims at (601)-218-7854 for expert guidance.