Posted in approval, cigar smokers, e-cigarette life insurance, insurance, life insurance, life insurance approval, smoking Tagged cigarettes high risk life insurance, e-cigarette life insurance, insurance, life insurance, life insurance chew, life insurance cigars, life insurance e-cigarettes, life insurance nicotine products, life insurance pipe smoking, life insurance tobacco use, non smoker life insurance rates,
occasional cigar use, paying smoker rates, social cigarette smoker
Examples are
occasional cigar use (less than one per month) and medically - prescribed marijuana use.
However, upon taking a second look, you immediately notice they overtly exclude
occasional cigar use.
Not exact matches
The only thing to take into consideration is - What's their definition of «
occasional»
cigar use?
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
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.
Additionally, if you
use chewing tobacco or smoke an
occasional cigar, it's vital that you find the best company to meet your needs.
There are different levels of tobacco
use from the
occasional cigar smoker to the daily cigarette user.
This is a very liberal attitude to take regarding any type of tobacco
use, and
occasional cigar smokers will appreciate the gesture.