Limitations vary between companies and some term life insurance policies will not offer the best rates to
cigar smokers at all.
Not exact matches
«Some pipe and
cigar smokers say they do not inhale, or inhale less, than cigarette
smokers,» says the lead author of the study, Josanna Rodriguez, MD, a fellow in pulmonary medicine
at Columbia University Medical Center, in New York City.
Cigar and pipe
smokers who smoke cigarettes (or used to) are
at even greater risk; those
smokers were nearly 3.5 times more likely than nonsmokers to have decreased lung function.
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This post is going to look
at ways that you can get affordable life insurance as a
cigar smoker.
If you smoke the occasional
cigar on the golf course or
at a special event, unfortunately most life insurance companies will consider you a regular
smoker which drives your rates thru the roof.
You may think the
cigar or two you smoke
at your monthly poker games doesn't qualify you as a regular
smoker, but certain insurance carriers would definitely put you in the
smoker class for the use.
They are not always considered a
smoker, but some companies will consider even a single
cigar in a year
at the
smoker's rate.
At MEG Financial, we are truly independent and have helped
cigars smoker across the country find the best deal.
Cigar smoker's life insurance may be looked
at differently by certain companies.
Being defined as a
smoker can mean using tobacco cigarettes or
cigars, but life insurance for
smokers includes chewing tobacco or dipping, which technically isn't smoking
at all.
Even if you are a casual
cigar smoker, which is defined as someone who smokes no more than one
cigar a week by most insurance companies, you may still be
at risk for these problems.
Current
smoker - Other - a respondent who reported
at the time of interview that they smoked cigarettes,
cigars or pipes, less frequently than daily;
I am also an avid
cigar -
smoker and can often be found enjoying a smoke with business associates, friends and family
at some of DC's best
cigar clubs.