The Truth About Burial Insurance for Cigar Smokers in 2025
Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by 
Lisamarie Monaco | Editorial Disclosure The Truth About Burial life Insurance for Cigar Smokers.
An In-depth Look. For cigar enthusiasts seeking life insurance, the landscape can seem challenging, with many companies perceiving cigar smoking as a negative health factor, thus inflating premiums.
However, it’s not all gloom and doom. You’ll be pleased to know that there are a few insurance carriers for burial life insurance who don’t factor in cigar smoking when determining premiums.
Depending on other health considerations, you could even be eligible for a non-smoker rate!
This comprehensive guide will illuminate your path towards finding the best life insurance policy that acknowledges your unique circumstances.
We will scrutinize the key factors you should keep in mind when browsing for coverage and introduce you to some of the most accommodating life insurers for cigar smokers.
So, let’s journey together in unveiling the truth about life insurance for cigar smokers!
Table of Contents
- Final Expense Insurance For Cigar Smokers
- Life Insurance For Cigar Smokers
- What Happens If You Start Smoking After You Get Life Insurance
- Tobacco Use and Final Expense Insurance Companies
- Cigar Use In The Underwriting Process Of Final Expense Insurance Companies
- Occasional Cigar Smoking Life Insurance
- Cigar Smoking And Life Insurance
- Conclusion
Final Expense Insurance For Cigar Smokers
Does smoking cigars affect life insurance rates?
So you smoke cigars or you chose to quit and you have finally decided to get a burial or final expense insurance policy. You probably did this for you and everyone in the family’s peace of mind.
Our hats off to you for being selfless and loving!
So you’re here reading this page because you want to buy a high-quality burial insurance plan on the cheap… Right?
Why do smokers pay more for life insurance?
Simply put, people who smoke are at a higher risk of dying than nonsmokers.
It’s not a secret that burial or final expense premium rates for tobacco and nicotine users are almost twice as expensive as what NON-tobacco or nicotine users pay for.
Not to mention the possibility of an increase in cancer.
Life Insurance For Cigar Smokers
Will Life Insurance Pay If You Smoke?
Do you find yourself wondering, “Will life insurance come through if I enjoy cigars?”
Interestingly, the ‘smoker’ label doesn’t automatically apply to cigar enthusiasts. In fact, there are insurance providers who intriguingly categorize cigar smokers as NON-TOBACCO users. Quite surprising, isn’t it?
At this point, you might be taken aback, thinking, “Really? Cigar smokers classified as non-tobacco users? How is that even possible?”
Indeed, it’s true and rest assured, we’re certainly not just concocting a smokescreen here! This revelation usually mirrors the surprise experienced by numerous others…
“Who are these others?” You might find yourself asking.
Well, over the years, we’ve assisted a myriad of cigar aficionados and former cigar smokers. Our mission? Helping them secure the most cost-effective burial or final expense insurance plans!
Now, it’s your turn. As your seasoned life insurance agent, we’re here to guide you towards securing the optimal insurance plan at the most competitive rate.
What Happens If You Start Smoking After You Get Life Insurance
Great news! Nothing will happen.
Once you are locked into policy, if you take up smoking it is ok. If your health status changes and develop other health impairments such as asthma or if you are faced with having a pacemaker placement that are also Ok.
Tobacco Use and Final Expense Insurance Companies
The good news
Believe it or not, there are indeed burial or final expense insurance providers that classify cigar smokers as non-tobacco users.
Furthermore, some companies even extend this classification to those who enjoy cigars on an occasional basis, considering them as non-tobacco users as well.
Additionally, some insurers only ask about smoking cigarettes. If you really only smoke cigars with all honesty, you can answer you have never smoked a cigarette.
Again, you can pass off as a non-tobacco user because the word “tobacco” was not mentioned in the question.
This all means, you as a cigar smoker will be offered insurance plans at premium rates like anyone who does not smoke.
This means the lowest price and with immediate insurance coverage starting from day 1- this is usually called “simplified”, “preferred”, or “level” type of plan. Let’s use the name simplified for this article.
Another good news is that burial or final expense insurance plans will never require medical or physical exams.
Lastly, it does not matter your age either you can be a senior over 85, or over 86 , and you will be good to go!
The bad news
The downside to consider is that heavy cigar smoking doesn’t just pose a risk to your health.
It may also compromise your ability to secure the most affordable burial life insurance or final expense insurance rates.
This is especially true if you have additional health concerns, which may further impact your eligibility for low-cost premiums.
So, as a cigar smoker, how can you pass off as a non-tobacco client and get a simplified insurance plan?
As with any burial or final expense insurance, the only way to qualify for the lowest premium with immediate coverage is through an underwriting process.
Cigar Use In The Underwriting Process Of Final Expense Insurance Companies
Can I lie about tobacco use for insurance? As you may already know, the underwriting process of final expense insurance companies involves answering to their health questions and them reviewing your prescribed medication history.
These health questions will include questions about your general health, from depression to heart issues.
With that being said, Always be transparent with your agent.
They are there to help you through out the process.
If you have cigarette smoking on your medical records within that current year, and you pass away during the contestability period, rest assured, the insurance will find out and you risk the death benefit being paid out to your beneficiary.
Keep in mind that insurance companies will not only ask about tobacco use but ask other questions with regard to your past and present diseases (if you have any).
In short, final expense insurance companies will definitely try to assess all aspects of your health and medical history to know what kind of insurance plan they can offer.
In the underwriting process, insurance companies will ask about the following:
- Questions about the present and past diseases, lifestyle and of course tobacco use.
- Prescribed medication history
Let’s focus On The Possible Ways You Can Pass Off As A Non-Tobacco User While Being A Cigar Smoker.
Tobacco use is a common question that always comes up on burial or final expense insurance companies’ health questions in the underwriting process.
Here’s the most common question from a lot of insurance companies about tobacco and nicotine.
“Have you used tobacco or nicotine in any form within the last 12 months?”
So, analyzing the question, it mentioned both nicotine and tobacco. If you use any product with it, then you have to answer yes.
Here’s a list of common products that have tobacco and nicotine that insurers consider:
- Cigarette
- Cigar
- Chewing Tobacco
- E-Cigarettes/Smokeless Cigarettes/Vaping
- Nicotine patches
- Nicotine gum
- Any product that contains tobacco, nicotine in any way or form in any amount.
What happens if you lie about smoking on insurance? If you have used these products in any way, shape or form- in any amount, you should honestly answer yes.
Burial Insurance Cigar Smoker Underwriting Questions
Here are some of the questions from different final expense insurance companies that you have a chance of being classified as a non-tobacco user.
- “In the last 12 months, have you smoked cigarettes?” Or “how many sticks of cigarettes do you smoke per day?”
If you would closely understand this question, you would notice that this question did not mention the words cigar, tobacco or nicotine- and for that reason, you can answer “no” or “none”.
You could have smoked like a chimney with cigars for the past 12 months and you can still answer no to this question.
- “In the last 12 months, have you used tobacco in any form aside from the occasional cigar use?”
Occasional Cigar Smoking Life Insurance
At first glance, this question might throw off cigar smokers and can easily answer yes.
But if you are an occasional cigar smoker, you should ask what constitutes the occasional use of a cigar.
Typically, insurance companies define occasional cigar use as no more than 12 cigars within the last 12 months. So if you smoked more than 12 cigars within the last 12 months then you have to say yes.
How To Find The Best Burial Or Final Expense Insurance For Cigar Smokers At The Lowest Cost
Essentially, The key to finding the lowest costing final expense insurance is through the underwriting questions that address tobacco or nicotine use and do not necessarily mention “cigar” or its volume of use.
This means that you or your insurance agent must have access to insurance companies that do not heavily red-flag cigar users.
Here’s where our expertise comes in!
We here at InsuranceForBurial.com have a masterful knowledge of the underwriting questions and processes of the country’s best insurance companies that can offer the lowest rates for people that smoke cigars.
Cigar Smoking And Life Insurance
We’re here to guide you, especially when it comes to securing burial life insurance as a cigar smoker. Indeed, we can confidently pinpoint which companies will classify you as a non-tobacco user despite your love for cigars.
Our founder brings to the table over 28 years of industry experience and holds licenses in all 50 states. We proudly represent only the cream of the crop when it comes to insurance companies – those with A+ ratings, offering the best burial life insurance for cigar smokers and final expense insurance options.
We are formed by a team of expert final expense insurance specialists that have dealt with countless clients who are cigar smokers or ex-cigar smokers and helped them get the best possible insurance plans no matter what.
What we only need from you is a little bit of your time to know your details.
Talk to us now! We promise you a simple, quick and easy, no non-sense interview process with no pressure.
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Conclusion
We got you covered!
Your needs are covered with our burial life insurance tailored for cigar smokers!
A burial life insurance policy is carefully designed to protect your family from the financial stress of funeral costs. This insurance also allocates funds for other final expenses such as cremation or transportation.
If you’re an avid cigar smoker seeking an affordable life insurance plan, we’ve uncovered outstanding options specifically for you!
Secure a quote today and start insuring yourself against unforeseen future expenses of providing a dignified farewell for a loved one without breaking the bank.
