Cigar smokers have a lot to think about regarding life insurance. Many life insurance companies don’t consider cigar smoking to be a healthy habit, and as a result, premiums for cigar smokers can be pretty high. In this guide, we will discuss how to find the best life insurance policy for cigar smokers. We’ll look at what factors you should consider when shopping for coverage and recommend some of the best life insurers for smokers. Let’s get started!
Factors To Consider
When shopping for life insurance, it’s essential to consider your specific needs and circumstances. For cigar smokers, there are a few key factors to keep in mind:
- Your age: The younger you are, the less expensive your policy will be.
- The type of cigars you smoke: Some cigars are considered riskier than others.
- Your health: Cigar smoking can increase your risk of developing certain health conditions.
- Your lifestyle: If you are a heavy smoker, your premiums will be higher than if you only smoke occasionally.
Best Life Insurance Companies For A Cigar Smoker
Once you have considered these factors, it’s time to start shopping for life insurance. There are several great insurers for cigar smokers, but here are a few of our favorites:
- AIG: American General (AIG) is one of the largest life insurance companies in the world, and they offer several policies specifically for smokers.
- Prudential: Prudential Life is a large insurer that provides coverage to high-risk customers, including smokers.
- Lincoln National: Lincoln National is one of the most popular life insurers in the United States, and they offer a variety of policies for smokers.
Life Insurance Companies For Cigar Smokers (We Recommend)
Prudential is one of the oldest and most highly-rated insurance companies in the United States.
- Founded in 1875, Prudential has a long history of financial stability and excellent customer service.
- Recently, Prudential announced that it would offer non-smoker rates for tobacco users who chew or smoke cigars but do not smoke cigarettes. This can save policyholders a significant amount of money on their premiums.
- In addition, Prudential’s term and universal life insurance policies are among the most competitive in the market.
For these reasons, Prudential is a great choice for anyone seeking high-quality life insurance coverage.
Disclaimer: We are licensed life insurance agents for Prudential. If you need a quote or want to apply, contact us below. There is no charge for the service. We strongly discourage applying without the assistance of an agent because if you apply on your own and get declined coverage, for whatever reason, no other life insurance company will consider you for coverage for approximately two years.
Thanks for reading. We hope this guide was helpful. Remember, the best life insurance policy is the one that fits your specific needs and circumstances. So be sure to shop around and compare quotes from multiple providers. And happy smoking! 🙂
Need Help Getting Life Insurance Coverage?
If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help ensure you get coverage, so you don’t get declined.
Warning: Applying for life insurance without a medical exam can be risky. If you get declined coverage, it could be at least two years before you can get any life insurance.