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Article Easy Navigation
- Final Expense Insurance For Cigar Smokers
- Will Life Insurance Pay If You Smoke
- 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
Final Expense Insurance For Cigar Smokers
Does smoking cigars affect life insurance? 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?
It’s not a secret that burial or final expense premium rates for tobacco and nicotine users are almost twice as expensive from what NON-tobacco or nicotine users pay for.
Not to mention the possibility of an increase in cancer.
We here at InsuranceForBurial.com with over 26 years of experience in the insurance industry have something special to share with you cigar smokers!
Will Life Insurance Pay If You Smoke
Are cigar smokers considered smokers? There are insurance companies that pass off cigar smokers as NON TOBACCO users Holy smoke! Amazing! Isn’t it?!?
“Wait, are you serious?” “Cigar smokers as non-tobacco users?” “How can this be?” You ask.
Yup! And we’re definitely not just blowing smoke! *wink* This is almost exactly how they reacted…
“Who?” Do you ask?
The countless cigar smokers and ex-cigar smokers we have helped over the decades to get the lowest cost coverage burial or final expense insurance plan!
And now, it’s your turn to get
the best insurance plan at the lowest cost.
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 that is also Ok.
Tobacco use and final expense insurance companies
The good news
There are in fact burial or final expense insurance companies that categorize cigar smokers as non-tobacco users.
There are also companies that consider occasional cigar smokers as non-tobacco users.
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.
We know how odd these clauses sound but please keep on reading and you’ll find out why.
Another good news is that burial or final expense insurance plans will never require medical or physical exams.
The bad news
The only bad news would be is that if you’re a heavy cigar smoker, not only do you endanger your health, but you’re also hurting your chance in getting burial or final expense insurance rate at rock bottom price.
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
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.
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:
- 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.
Now, there are insurance companies out there that are not strict with cigar use.
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 as the occasional use of 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 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 process of the country’s best insurance companies that can offer the lowest rates for people that smoke cigars.
Cigar Smoking And Life Insurance
Above all, we can absolutely tell you which company can pass you off as a non-tobacco user while being a cigar smoker.
The founder has over 26 years of experience and licensed in 49 states. We represent only the country’s top-rated A+ insurance companies for burial or final expense insurance.
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.