Up In Smoke… Cigars and Term Life Insurance
Ready to compare quick life insurance quotes?
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
UPDATED: Aug 6, 2020
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 partner with top life insurance providers. This doesn’t influence our content. Our opinions are our own.
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.
Rudyard Kipling once wrote, “A woman is only a woman, but a good cigar is a smoke.” And who doesn’t like a good smoke every once in a while?
Well, us, for starters. But we know many people enjoy the occasional indulgence, whether it’s poker night with the guys, a Saturday round of golf, or celebrating a wedding or the birth of a child. And now more life insurance companies are beginning to take notice as well.
Many life insurance companies consider occasional cigar use the same as regular tobacco or nicotine product use. This means an applicant would receive a tobacco rating class on their life insurance policy for smoking cigars. The result would be a significantly higher premium on the policy. However, some companies have changed their stance on occasional cigar use over the past few years. It’s now possible for an applicant to receive a non-tobacco rating class on their term life insurance policy even if they smoke cigars.
ING ReliaStar Life Insurance Company (ING) and American General Life Insurance Company will both offer their best non-tobacco rating class to occasional cigar users (assuming the applicant qualifies otherwise). The following requirements must be met, however.
- Occasional use is limited to no more than one cigar per week.
- The cigar use must be admitted on the term life insurance application.
- The urine specimen from the paramedical exam must be negative for cotinine/nicotine.
Some life insurance companies will allow occasional cigar, pipe or even chewing tobacco use with non-tobacco premium rates; however, they may not offer their best non-tobacco rating class. For example, Pruco Life Insurance Company (Prudential) may offer their Non-Smoker Plus rating class to such applicants.
It’s best to disclose and discuss any tobacco and nicotine product use with a licensed life insurance representative. If the information is presented with the initial application, the chances of finding the right policy with the appropriate rating class are much greater.