First off, life insurance rates for occasional cigar smokers will not have an impact on the premiums and should be the same as non-smokers. (secureseniorlifeinsurance.com)
However, upon taking a second look, you immediately notice they overtly exclude occasional cigar use. (choicemutual.com)
Some insurance companies offer special rates for occasional cigar users and fro those who only use smokeless tobacco. (lifequote.com)