Sentences with phrase «occasional cigar smoking»

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

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

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

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.

Not exact matches

This client did not disclose his occasional smoking, but enjoyed a cigar the night before his physical.

Smoke the occasional cigar and drink socially.

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

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.

• Occasional Smoking: The company allows for preferred rates if you are a periodic celebratory cigar smoker.

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 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.

For example, there are a lot of companies that will give you non-smokers rates if you only smoke the occasional cigar.

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

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

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An occasional cigar after dinner is not going to cost you much, but smoking a pack a day will.