Life Insurance for Cigar Smokers
Looking for an Affordable Policy?
There are many factors that can affect the life insurance premium, and use of tobacco products is just one of them.
Together with your age and overall health, smoking cigars may limit your options when it comes to finding affordable life insurance for cigar smokers.
The use of tobacco products may be one of life’s joys but we cannot deny the possibility of causing many serious health problems such as cancer.
Therefore, it should not come as a surprise that smoking cigarettes or cigars can be one of the obstacles for you to get affordable life insurance for smokers.
Life Insurance for Cigar Users: Options and Expectations
For every insurer, it’s important to have healthy clients, those that are not at high risk. Together with your age and your health, bad habits like smoking can affect your premium.
Therefore, when you are looking for life insurance policy, depending on the insurance company you choose and the standard of the policy, there are some tests that you will have to go through.
Life insurance nicotine test is a medical test that many life insurance companies may require in order to check if you are a smoker.
This will show the level of tobacco in your urine, blood or hair, depending on the test you take.
When it comes to life insurance for smokers, there are small options for you to find an affordable life policy.
If you are a passionate smoker there is a big chance that your life insurance premium will be very high. If you add some health problems on that and depending on your age, it could even happen that many life insurance policies are out of your reach.
When it comes to cigar users, things are slightly different. Cigars are generally viewed differently as their smoke is rarely pulled into the lungs, therefore users don’t inhale a big amount of tobacco.
That is why sometimes the life insurance for cigarette smokers can be the same as for non-smokers, depending on how often you smoke. If you limit using cigars to one a month, it will not affect your premium at all.
This doesn’t mean that cigars are healthier. On the contrary, as the smoke stays in the mouth, cigar users are at higher risk of lip, mouth and throat cancer if they smoke frequently.
A number of cigars over a period of time will make big difference in price of the premium. If you smoke occasionally, there is a big chance for you to get traditional life insurance, especially if your health condition is good.
However, if you are a regular smoker there is a big possibility that your premium will be high as the insurer will mark you as a high risk. In that case, your options will be very limited.
All in all, there is a good chance for you to find affordable life insurance for cigar smokers if you cut down to one cigar a month. The perfect situation would be to stop smoking, especially if you want to pass a life insurance nicotine test.