Non-Tobacco Rates for Cigar Smoker Life Insurance
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
UPDATED: Nov 22, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 22, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you compare the life insurance rates of a non-tobacco user with the rates of a tobacco user, you will notice a considerable difference in price. So what if you smoke cigars, will you be considered as a smoker for life insurance rates?
Short and quick answer, no.
With most life insurance companies, you can now qualify for non-smoker rates even if you smoke cigars here an there. There is also a company that will allow you to enjoy a cigar every day and still consider you at non-smoker rates.
Even though cigars are a form of tobacco, many life insurance companies have become very lenient when it comes to occasional cigar use.
If you like to enjoy a cigar occasionally or even daily, we have put together a list of the best life insurance companies to consider when applying for cigar smoker life insurance coverage.
Top Quote Life Insurance has the life insurance companies that will approve you at non-smoker rates if you currently smoke cigars. The rates between a non-tobacco user and a tobacco user are significant!
Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.
When Applying for Life Insurance as a Cigar Smoker
When applying for life insurance as a cigar smoker, it is very important to admit your use on both the application and the medical exam. Lying on the application and testing positive for nicotine on the medical exam can result in automatic smoker rates.
This article will help you choose the best life insurance company to apply with, based on your cigar use. If you smoke one cigar a month, a week or daily, there are affordable options available.
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Companies that offer Non-Smoker Rates for Daily Cigar Use
It is very rare to find a life insurance company that will offer non-smoker rates for daily cigar use, but Prudential Life Insurance does.
You won’t qualify for their best health classification with daily cigar use, but they will give you the opportunity to qualify for a very affordable, non-smoker policy with their “Standard Plus” health classification.
Let’s face it, cigars are tobacco. According to Cancer.org, just one large cigar contains as much tobacco as an entire pack of cigarettes. This statistic, along with other health risks associated with cigar smoking, is why most life insurance companies will not approve you as a non-smoker with daily cigar use.
With Prudential, you’re in luck!
Prudential Life Insurance
Prudential Life Insurance is the 2nd life insurance company that will also consider you at non-smoker rates if you smoke a cigar daily. In order to qualify, you must admit to cigar use on both the application and medical exam. Urinalysis may test positive for nicotine.
AVAILABLE HEALTH CLASSES: Standard Plus Class Only
NOTE: Both Cincinnati Life and Prudential will also consider you at non-smoker rates if you use smokeless chewing tobacco.
Companies that offer Non-Smoker Rates for Occasional Cigar Use
If you’re not a daily cigar smoker and only smoke occasionally or on special occasions, then you can possibly qualify for the best health classifications with several of the top life insurance companies available.
When applying for occasional cigar smoker life insurance coverage, you must admit to using on both the application and exam. If your life insurance requires a medical exam, your urinalysis must also come back negative for nicotine. A positive urinalysis for nicotine will result in automatic tobacco rates.
Since all life insurance companies view cigar use differently, we have put together a list of the best life insurance companies that will consider you at non-tobacco rates for cigar smoker life insurance, depending on the amount used.
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American General (AIG)
American General (AIG) will approve at non-smoker rates with no more than one cigar per week. Cigar use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.
BEST HEALTH CLASS: Preferred Non-Smoker
Banner Life Insurance
Banner Life Insurance will approve at non-smoker rates with no more than one cigar per month. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.
AVAILABLE HEALTH CLASSES: Preferred Non-Smoker
Genworth Life Insurance
Genworth Life Insurance will approve at non-smoker rates, with no more than twelve cigars per year. Use must be admitted on both application and exam. Urinalysis must test negative on the medical exam.
AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard
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Protective Life Insurance
Protective Life Insurance will approve at non-smoker rates with no more than six cigars per year. Use must be admitted on both application and exam. Urinalysis must test negative on the medical exam.
AVAILABLE HEALTH CLASSES: Preferred Plus & Preferred
Transamerica Life Insurance
Transamerica Life Insurance will approve at non-smoker rates with no more than one cigar per month. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.
AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard
Voya Financial
Voya Financial will approve at non-smoker rates with no more than 1 cigar per week. Use must be admitted on both the application and medical exam. Urinalysis must test negative on the medical exam.
AVAILABLE HEALTH CLASSES: Preferred Plus, Preferred, Standard Plus & Standard
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Do you have a Current Cigar Smoker Life Insurance Policy?
When was the last time you had a life insurance policy review? Up until recently, cigar smoker life insurance policies were almost all considered at smoker rates regardless of your use.
If your current policy was approved at smoker rates you’re missing out on a ton of savings. Run an instant life insurance quote to the right of the screen to see how much you could be saving. Be sure to select “non-smoker”.
Have questions or need assistance?
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Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.
Your one-stop online guide for life insurance quotes. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.