Below are some of the top insurers with more lenient cigar-smoking policies: Allows occasional cigar use (one per week) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Offers competitive term and permanent life insurance policies Banner Life (Legal & General America) Permits occasional cigar use (one per month) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Provides low-cost term life insurance options Mutual of Omaha Insurance Company Permits occasional cigar use (two per month) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Provides quality term and whole life insurance options Allows occasional cigar use without smoker classification Nicotine test can be positive, disclosure of cigar use is required Offers quality term and whole life insurance options Tips for Getting Affordable Rates If you are a cigar smoker, there are several strategies you can use to secure the best life insurance rates
Even if youve already been diagnosed with cancer or with another condition, you will still benefit from quitting, he reiterates
The complex full-flavored smoke rolls on picking up pepper and cocoa flavors along the way to an enormously captivating and bombastic finish
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In addition to drying the tobacco the fire curing process imparts an unusual, modest smoky and wood-like taste and aroma to the tobacco
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