There are many factors that could affect the cost of your life insurance premium, and having bad habit, such as smoking, is just one of them. Purchasing life insurance for cigar smokers is no more impossible today. In many situations, one factor should not make a big difference when it comes to cost of the life insurance policy. However, having bad habits together with your age and your overall health may limit your options when it comes to finding affordable life insurance.
Many would agree that use of tobacco products may be one of many life’s joys. However, the possibility of these products causing many serious health problems, such as cancer, cannot be denied. Therefore, it doesn’t come as surprise that smoking can be one of the obstacles for you to get affordable life insurance.
Life Insurance for Cigar Smokers: Options and Expectations
Every insurance company will rather choose the client that is not at high risk. In some cases, you will have to go through some tests in order to back up your application and check your overall health.
One of the tests that you may have to go through when you are looking for life insurance is a nicotine test. It is a medical test that many life insurance companies may require in order to check if you are using tobacco products or not. This will show the level of tobacco in your urine, blood or hair, depending on the test you take, and it will be clear if you are a smoker or not.
Therefore, when it comes to life insurance for cigar smokers, the first thing you should have on your mind is to be true on your application.
Difference Between Life insurance for Cigar and Cigarette Smokers
If you happen to smoke cigarettes, there is a small chance for you to find affordable life insurance policy, especially if you happen to be a passionate smoker. In that case, there is a big chance that your life insurance premium will be high. If you add some health problems to that, and your age, it could even happen that this combination might be a reason for insurer to turn you down for traditional life insurance.
However, When Smoking Cigars, Things Could be Slightly Different
Generally cigars are considered to be less dangerous than cigarettes as their smoke is rarely pulled into the lungs. Therefore, we could say that users don’t inhale big amount of tobacco while smoking them. That is why in some cases life insurance for cigar smokers can be the same as for non-smokers. This also depends on how often you actually smoke.
Find out difference between cigar and cigarette, here.
Even though smoking cigars may not affect your premium in some cases, this doesn’t mean that they are healthy. On the contrary, as the air is not pulled into the lungs it only makes the smoke stay in the mouth, which makes cigar users at higher risk of lip, mouth and throat cancer, if they smoke frequently.
If you smoke cigars occasionally, or you cut it down to one cigar a month, there will be no obstacles for you to find traditional life insurance, whole or term life insurance. However, the big number of cigars over a period of time could make a big difference in price.
If you are a regular smoker there is a big possibility that your premium will be high as insurer will mark you as a high risk. In that case your options will be very limited, and in some situations, you will not be able to opt for traditional life insurance policy. It all depends on the insurer you choose, therefore choose wisely and get quotes to compare the deals.
All in all, there is a good chance for you to find affordable life insurance for cigar smokers if you cut down the amount per month. The perfect situation would be to stop smoking, especially if you want to pass life insurance nicotine test. If that isn’t a case, make sure you cut down the smoking at least few months before the testing.
Can I Pass Medical Test if I’m a Cigar Smoker?
As being said above, cigar smoking is usually not recognized as a dangerous bad habit. If you are a cigarette smoker and you want to pass the test you will have to be ready to quit smoking for some time, or stop it for good. Avoiding cigarettes few months before the test may not give you result you want, but it may help, depending on the test. Nicotine stays in the hair for the longest period of time but this kind of test is expensive and therefore rarely used. Saliva and urine test will not be able to detect nicotine level in your system after couple of weeks, but why risking it. The truth is that sooner or later you will be caught in a lie and even stay without protection.
If you have any other physical sickness, read this article.
If you are smoking cigars only, if you cut it down to one a month, there is a good chance you will not have any problem getting life insurance policy you wanted.