Cigar smoking and Life Insurance premiums.

ckay · 09-07-2010, 10:56 PM

Two things:

They do not test for nicotine. They test for cotinine.

Also, there are companies that look at cigar smokers more favorably than cigarette smokers. I write policies for many BOTLs and get my underwriters to look more favorably towards us.

A side note...insurance companies are going towards tobacco/non-tobacco classifications.

It is absolutely okay to tell the agent that you enjoy cigars and you should disclose this.

Lastly, if you are young and healthy, DO NOT BUY TERM! TERM NEVER PAYS OUT AS YOU ARE INSURING THE HEALTHIEST PART OF YOUR LIVES!

09-07-2010, 10:56 PM	#29
ckay Still Watching My Back Join Date: May 2010 Posts: 71 Trading: (0)	Re: Cigar smoking and Life Insurance premiums. Two things: They do not test for nicotine. They test for cotinine. Also, there are companies that look at cigar smokers more favorably than cigarette smokers. I write policies for many BOTLs and get my underwriters to look more favorably towards us. A side note...insurance companies are going towards tobacco/non-tobacco classifications. It is absolutely okay to tell the agent that you enjoy cigars and you should disclose this. Lastly, if you are young and healthy, DO NOT BUY TERM! TERM NEVER PAYS OUT AS YOU ARE INSURING THE HEALTHIEST PART OF YOUR LIVES!