Cigar Asylum Cigar Forum - View Single Post

LasciviousXXX · 05-30-2011, 09:03 AM

Different insurance companies have different rules regarding cigars. Some classify you as a cigarette smoker, some as a separate category of tobacco user and some a non-smoker. It really depends on the company itself and your frequency of use. Mine regards anything under one a month as a "non-smoker" so really the occasional cigar smoker would get the premium rate.

I know when I was shopping around for life insurance I made sure to ask up front about their policies regarding cigars. And they would know about your cigar use when it came up in the pre-insurance physical that you undergo.

05-30-2011, 09:03 AM	#2
LasciviousXXX Team of 11...Always Join Date: Oct 2008 First Name: Týr Location: New Orleans Posts: 4,579 Trading: (8)	Re: Cigars and Life Insurance Different insurance companies have different rules regarding cigars. Some classify you as a cigarette smoker, some as a separate category of tobacco user and some a non-smoker. It really depends on the company itself and your frequency of use. Mine regards anything under one a month as a "non-smoker" so really the occasional cigar smoker would get the premium rate. I know when I was shopping around for life insurance I made sure to ask up front about their policies regarding cigars. And they would know about your cigar use when it came up in the pre-insurance physical that you undergo.