We are often asked “Does smoking cigars affect life insurance rates?” The good news is if you’re a casual cigar smoker looking for a term life insurance policy, we can help obtain coverage from the carriers with the best coverage for the casual cigar smoker. The PolicyConnection proprietary database of dozens of life insurance companies allows us to find the best underwriting treatment for cigar smokers, resulting in the lowest premiums for our clients. With PolicyConnection, you can rest assured that you’re getting the best coverage at the most affordable price, competitive with rates for non-smokers. Our experienced team works with you to understand your unique situation and using our proprietary UnderRight™ database, we can tailor a policy that fits your needs and your budget. Don’t let your enjoyment of the occasional cigar hold you back from getting the life insurance coverage you need. You can trust PolicyConnection to find the perfect carrier, the best rates, and the perfect policy for you.
Cigar Smokers vs. Non-Smokers
As a casual cigar smoker, it’s important to understand how your tobacco use may affect your ability to purchase a life insurance policy. While smoking cigarettes or vaping (or any tobacco products) can have a significant impact on life insurance premiums, the effects of casual cigar smoking on life insurance don’t have to be as severe if you know which companies are most favorable to your specific situation. PolicyConnection takes into account all of your risk factors, and finds the best carrier match.
If you’re a casual cigar smoker and looking for a life insurance policy, it’s important to shop around and compare rates from different insurance companies. You may also want to consider working with an independent insurance agent who can help you find the best policy for your needs and budget.
When you apply for life insurance, it’s important to be honest with your brokers and the insurance company about your cigar-smoking. If you don’t disclose your cigar smoking, and the insurance company finds out later, it could lead to your policy being denied, rescinded, or re-priced much higher. Any life insurance application should be 100% accurate from the start, including disclosure of any tobacco use.
So, as a casual cigar smoker you may face slightly higher premiums for life insurance, but you don’t always have to. And the key is knowing exactly which insurance companies will be most lenient with their pricing. Our experience can help you get quotes as close to non-smoking rates as possible. This involves many different factors that are specific and unique to YOU. Only PolicyConnection has the UnderRight™ database that can find the best policy and best pricing for your unique situation.