Sentences with phrase «occasional cigar»

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.

However, upon taking a second look, you immediately notice they overtly exclude occasional cigar use.

Some insurance companies offer special rates for occasional cigar users and fro those who only use smokeless tobacco.

With most life insurance companies, even occasional cigar smoking is going to get you put in the smokers rating class.

We represent several companies that will allow occasional cigar smokers to get a non smoker life insurance rate.

Underwriting Policies for Occasional Smokers: If you are a kind of person who loves occasional cigars then this company is not a good choice for you.

If you are a true occasional cigar smoker, which most insurance companies consider this to be one cigar a month or less, you may qualify for non-smoker insurance rates.

There are some companies that view occasional cigars or chewing tobacco more favorably.

Voya Financial is considered one of the more competitive term carriers in the industry, offering low premiums and generous underwriting for individuals with high cholesterol, diabetes and even occasional cigar smokers.

With that, occasional cigar use will typically be defined as no more than 12 cigars in a year.

Some companies make allowances for occasional cigars, but do not make any allowances for cigarettes.

In George W. Bush's first exam as president, his doctor noted he enjoyed the occasional cigar, drank diet soda and ran 12 miles a week.

It was a good assignment for Finegan, who is known to enjoy an occasional cigar.

My friends and I checked them out, as any sensible person who is even an occasional cigar smoker would.

Smoke the occasional cigar and drink socially.

Smoke the occasional cigar, and then go to the gym.

If you're an occasional cigar smoker (only on special occasions or a couple a month), you may have received unreasonably high monthly premiums.

For example, some companies will allow the occasional cigar, while other companies will automatically lump you in with the smokers and hike your premiums up.

It may be the first cigarette you've ever had, or that occasional cigar you smoke when you're out with your buddies, and the insurance companies will not care.

Occasional cigar smokers that smoke less than 52 cigars per year can qualify for preferred rates.

* If you smoke the occasional cigar this is the company for you.

Liberal underwriting for: Type 2 Diabetics over age 60, Occasional Cigar smokers, Applicants with a family history of cancer 3.

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.

In addition, they are one of the few companies that will offer non-tobacco rates to folks who smoke an occasional cigar or pipe.

For example, while every company classifies a regular cigarette smoker as a «tobacco user,» some companies may make exceptions for people who only smoke the occasional cigar or two and offer nonsmoker prices, which will often cut your price nearly in half.

If you're an applicant that only smokes an occasional cigar for celebrations, then it's important that you find a company that is going to understand your situation and give you favorable premiums for your cigar smoking.

Some companies will consider any cigar smoking, even celebratory and occasional cigars, as smoking.

Some term life insurance companies will allow the occasional cigar, often with a set limitation on who qualifies for the best non-smokers rates.

Cigarette use will cause you to fall under smoking rates, but certain carriers will give non-smoker rates to the occasional cigar, daily Nicorette, pipe, or chewing tobacco user as they may not consider them in the same category.

A common qualification for non-smokers rates when enjoying an occasional cigar in celebration of a birth, wedding or similar special occasion is that the habit should not exceed 12 cigars in a year.

If you use chewing tobacco, or enjoy the occasional cigar, it's important that you find a company that's going to be more lenient on their usage standards.

You could have developed Type2 Diabetes, or maybe you still like to smoke cigarettes or enjoy an occasional cigar.

Other than that, they offer competitive premiums at all ages, non-tobacco rates for those who smoke the occasional cigar or pipe.

They also don't charge tobacco rates for those who have an occasional cigar or two every two months or so which is great because most life insurance companies don't overlook that fact and charge you smoker rates which can increase your rates by 60 % or more.

For example, some insurance companies will automatically give an occasional cigar smoker «smoker's rates,» while others have wiggle room in their underwriting to give the celebratory cigar smoker standard rates.

Life Insurance for Cigar Smokers: This article will tell you how you can earn a preferred nonsmoker rating, even if you enjoy the occasional cigar.

Additionally, if you use chewing tobacco or smoke an occasional cigar, it's vital that you find the best company to meet your needs.

Cigarette usage almost always cause smoking rates, but the occasional cigar, daily Nicorette, pipe or chewing tobacco can be non-smoker rates with some companies.

If you smoke an occasional cigar, Pruco Life Insurance Company is one of the best life insurance companies to go with.

There are different levels of tobacco use from the occasional cigar smoker to the daily cigarette user.

Examples are occasional cigar use (less than one per month) and medically - prescribed marijuana use.

Occasional cigar smoking does not count if you smoke 12 or less per year.

If you're an occasional cigar smoker (only on special occasions or a couple a month), you may have received unreasonably high monthly premiums.

This is a very liberal attitude to take regarding any type of tobacco use, and occasional cigar smokers will appreciate the gesture.

If you are wondering if your occasional cigar smoking will increase your life insurance costs the answer is a resounding maybe.

Some insurance companies will look the other way when it comes to occasional cigar smoking.