Do you want life insurance for Cigar Smokers?
If so, you may have discovered cigar smokers pay as much as 2-3 times the price for life insurance that non-smokers pay.
That's right, why should you pay so much more than non-smokers if you smoke an occasional cigar?
Now, you don't have to.
Why? Because, there are life insurance quote providers, like JRC Insurance Group, who specialize in providing life insurance for cigar smokers.
So, which life insurance company is the most liberal when it comes to insuring cigar smokers?
Your hands down winner for most liberal cigar use guidelines is JRC Insurance Group, because they offer quotes from several life insurers like American General and Prudential which specialize in life insurance for cigar smokers.
They have no limits to the amount of cigars you can smoke, AND you can test positive for nicotine on the urine analysis, and get their "Non Smoker Plus" rating! So as a cigar user, you see that you’ll most likely want to apply with American General or Prudential.
Why bother with American General, you might ask?
Well, their Preferred Non Tobacco rates are better than Prudential’s Non Smoker Plus rates.
Example: Take a 40 year old male in good health who smokes a cigar per week:
He needs a 20 Year Term, $500,000 policy American General: $41.56 per month (Preferred Non Tobacco rating) Prudential: $71.10 per month (Non Smoker Plus rating)
However, if that same man smokes 5 cigars per week, he can’t qualify for American General’s Preferred Non Tobacco rating, nor can he anywhere else, so here would be the best quotes for him.
Prudential Life: same as above, $71.10 per month (Non Smoker Plus rating)
Liberty Life: $122.84 (Preferred Tobacco rating) American General: $139.56 (Preferred Tobacco rating) So if you’re a cigar aficionado, you would want to apply with Prudential.
However, cigar users do have non tobacco ratings available to them. It depends on where you look and how much you smoke.
Your best bet is to compare life insurance plans and quotes from several leading insurers that specialize in insuring cigar smokers.
Get Term Life Insurance for Quotes Cigar Smokers today.
These higher life insurance rates may seem unfair to you if you smoke.
But, the fact is, the more you smoke the higher your risk for heart attack, stroke, health conditions, and shorter life expectancy.
Because of the higher risk to pay out on your policy, the life insurance companies charge a higher rate.
This article was provided by Chris Huntley at Term Life Insurance United States.
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