Having a cigar on a special occasion, being a “social smoker”, and being a pack-a-day smoker all mean very different things to your health and your insurability in the eyes of a life insurance underwriter. But what that means varies so wildly that occasional smokers may be even more beholden to window shopping than more rigorous smokers.
Cigar smokers can spend anywhere between 30% more to the same markups as habitual smokers, depending on the provider. Some providers also have an allowance for cigars smoked per month that allow the smoker to qualify for non-smoker rates. The amount allowed is almost always one cigar per month. Other providers won’t allow it at all, so shop carefully.
Mintco Financial, a Tampa Base Independent Life Insurance Firm specializes in Life Insurance for seniors and smokers, helping clients to get the best rates for their life insurance policy.
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