Cigars & Life-Insurance... some real issues

[SoCalSmoker]

Here is a link to an insurance broker's blog that discusses Life insurance and cigar smoking which can shed some light on frequent and infrequent cigar use.

I have no alliliation with Ed Hinerman but I did purchase Life insurance a few years ago from him and he is very informative and a straight shooter.
He knows the companies that have the best policies for cigar smokers.
I think if you are seriously looking for a policy he will help even if you don't buy it from him.
Look around his site, it helped me.
He's located in Salida, CO.
http://hinermangroup.com/blog/category/cigar-smokers/
I get nothing from him if you look at his site or do business with him.
Good luck.

[BengalMan]

Prudential takes cigar smokers as preferred non-smokers. They come to your house, take blood, etc, still non-smoker rates.

Originally Posted by BengalMan

Prudential takes cigar smokers as preferred non-smokers.

[St. Lou Stu]

Originally Posted by BengalMan

Prudential takes cigar smokers as preferred non-smokers. They come to your house, take blood, etc, still non-smoker rates.

Ian,
Thanks for the tip!!
I actually followed through on the Prudential thing and took the physical, bloodwork, blah, blah, blah....

This week I got a call that everything was approved for BETTER than I was quoted. I was quoted a preferred non-smoker rate and after my physical underwriting ended up writing my policy at a preferred non-tobacco rate. In layman's terms... another 50% savings.

Folks, If your looking for life insurance Prudential is the way to go if you want to be honest and have a policy written under truthful circumstances. This ended up being cheaper than the life insurance that I have through my employer. That policy isn't written based off of physical results though.

[ckay]

I don't know if this has been mentioned. There are two year clauses built into most life insurance policies. If you mention you are a non-tobacco user, yet you smoke and die regardless of cause within those two years, your life insurance provider can void the contract if they can prove that you had misinformed the company while applying.

That two year period is also built in with suicide clauses. Beyond those two years, you are good to go.

As far as cigar smoking, based on what I've seen...Prudential and MetLife have best consideration for the casual cigar smokers...as in non-tobacco rates.