Sentences with phrase «cigar smokers into»

Many of the life insurance companies would place a cigarette, pipe and cigar smokers into the same tobacco user rate class.

Not exact matches

Preferred Smoker — This category is for a person who would normally fall into one of the non-smoker categories, but occasionally uses nicotine products, such as smoking a cigar from time to time.

Even if you do only smoke a few cigarettes a day you will be classed as a smoker and you will usually be asked whether you have used any tobacco products in the previous twelve months, although if you only smoke the occasional pipe, cigar or cigarette on special occasions this will be taken into account and you may even be able to find a life insurance provider who is actually prepared to give you non-smoker rates.

If you're a user of any kind of tobacco product — cigarettes, chewing tobacco, cigars, or even smoking cessation products that contain nicotine — and you're shopping for life insurance, you may have seen in your research that life insurance companies split their health categories into two major groups: smoker and non-smoker.

Also keep in mind that there are insurance companies that will take into consideration if someone is a light smoker or uses other forms of tobacco such as cigars, pipes and chewing tobacco for a lower premium than a classic cigarette smoker.