How to Find the Best Life Insurance for a Cigar Smoker

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

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.
Cheapest Life Insurance Cigar 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.

Best Life Insurance Companies For Cigar Smokers

Next Steps

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.

Impaired Risk Life Insurance
Have You Been Declined Life Insurance Coverage Before?

Frequently Asked Questions

Is there life insurance for cigar smokers?

While it may be more challenging for cigar smokers to find life insurance coverage, options are available. Many insurance companies offer policies specifically tailored for cigar smokers, taking into account factors such as the frequency and type of cigars smoked. These policies may have higher premiums, but provide necessary coverage for those who enjoy cigars.

Who are the best life insurance companies for cigar smokers?

Because of their higher maximum coverage levels, affordable rates, and A+ (Superior) rating with A.M. Best, Lincoln Financial and Prudential offer the best life insurance for cigar smokers.

What are life insurance rates for cigar smokers?

Life insurance rates for cigar smokers may be higher compared to non-smokers due to the associated health risks. Insurance companies consider smoking habits when determining premiums, as smoking is linked to numerous health complications. Insurers typically classify cigar smokers as tobacco users and charge them higher rates to account for the increased risk of illnesses such as cancer and heart disease.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top