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Cigar Smoker Life Insurance

Written by Aaron Pinkston, Tue, Nov 03 2009

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Let’s say you and your wife just found out she is pregnant. To celebrate, you call up a bunch of your buddies from years past and go out. While you’re having a big time on the town, you smoke a cigar. Uh oh. You just realized having a kid means you’ll need more life insurance… and now you are afraid you will have to pay smoker rates just because you smoked one cigar.

Or imagine another scenario. You don’t smoke a cigar very often, only when you are on the golf course. With your busy schedule, you only seem to get to enjoy that cigar on the golf course once a month.

You might be thinking, that does not sound like me at all. I smoke cigars on a regular basis – every day in fact – and I know I will test positive for nicotine. How can I get it out of my system to get non-smoker life insurance rates?

The Good News for Cigar Smokers

The good news is that if you are like any of these three people, you could still qualify for non-smoker life insurance rates, despite smoking cigars. Most life insurance companies consider any use of nicotine or tobacco within three years. But certain life insurance companies will offer non-smoker rates to you even if you light up while signing the application.

Can you really get non-smoker life insurance rates if you smoke cigars? Sure, under the right circumstances and from the right insurance companies. The rules get confusing and they change all the time. I just got an email last month from a well-respected life insurance company who might qualify you for their very best non-smoker rate class – even though you smoked cigars and probably will again.

These rules are different from different companies, depending on how frequently you smoke cigars, and whether you will test positive for nicotine. You might think it is worth learning all the loopholes in life insurance just to save 60% or more on your life insurance – and you would be right. But there is an easier way.

Let Them Compete While You Smoke a Cigar

Instead of searching for all those insurance companies to learn the details of their rules, use Clarifinancial once to get a range of choices to choose from. I am willing to guess that no matter what your circumstances, there is more than one solution for you out there. Finding your cigar life insurance through Clarifinancial is the easiest way to get customized life insurance quotes without the hassle or guesswork of other quote processes.

No single life insurance agent can represent all the companies out there. And not all insurance companies are willing to give you the same non-smoker rating. So let them compete for you to see who can make the best offer. You could even play a round of golf while agents customize results for you. It is Easy. Click on the button at the top of this page now to see how easy it is.