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Will smoking a cigar occasionally increase my life insurance?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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Cigar Life Insurance RatesIf you are wondering if your occasional cigar smoking will increase your life insurance costs the answer is a resounding maybe.

Perhaps rather than asking the direct question the better question that you should ask is, can it possibly increase your life insurance premiums? The answer to that question is a lot clearer and that answer is definitely yes.

Read on and learn why some insurance companies will raise your rates while others won’t and then enter your zip above for free cigar life insurance quotes or regular non smoker life insurance quotes!

Why Some Insurance Companies will Raise Your Rates

Smoking is a health risk plain and simple. Even if you smoke occasionally the risks are inherent and a company that writes life insurance policies knows that. It is worth noting that cigars are much worse than cigarettes as they contain much higher nicotine levels than cigarettes, three times more to be specific, which can lead to higher rates of addiction.

If you are looking at this article saying that you don’t inhale so the nicotine rate doesn’t matter, guess again. Something that many people don’t realize is that the nicotine is absorbed through the lining in your mouth and then flows through your blood stream and through the heart.

In addition to higher levels of nicotine, cigars contain more toxins than cigarettes, making them even deadlier than cigarettes when smoked. You may have heard the old adage, you don’t know which cigarette will kill you, you can get cancer from the first puff; well, the same holds true for a cigar and insurance companies know it.

Insurance companies also consider the other health risks. Cigar smoking increases your risk for pancreatic cancer, lung cancer, emphysema, bladder cancer and heart disease. Even if you are a casual cigar smoker, which is defined as someone who smokes no more than one cigar a week by most insurance companies, you may still be at risk for these problems.

The bottom line is that if your nicotine tests come back positive for nicotine then you will be placed in a smoking classification no matter how often you smoke a cigar.

Because the nicotine is absorbed into the bloodstream, even if you don’t inhale, you can expect to test positive up to four days after your last puff on a cigar. In addition, if you are around other people that smoke cigars you may still stay positive for nicotine well after your last cigar.

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Why Some Insurance Companies Won’t Raise Your Rates

Some insurance companies will look the other way when it comes to occasional cigar smoking. This is because the big push in the health industry is about cigarettes. Even though cigars pose a higher risk for the same diseases, cigarette smoking is much more prevalent in today’s society than cigar smoking.

As such, the focus just isn’t on cigars. As cigar smoking increases in popularity, however, you can expect more insurance companies to consider this a high-risk behavior in the future.

NOTE: Most insurance companies put cigar smoking in the same category as cigarette smoking, but there are different levels. If the insurance company chooses to determine the levels of nicotine in your body to see how much you actually smoke and you are only a casual smoker you will probably pay much less than someone who is considered a heavy cigar smoker, which is someone who smokes one to two cigars a day.

Finding the Cheapest Life Insurance

The truth is, if you want to get the very lowest price in life insurance then you should stop smoking cigars altogether. If, however, you are set in your ways and don’t want to quit that occasional celebratory stogie, then the best way to find the cheapest life insurance is to get quotes from several different companies. There are a couple of methods for doing this, visit dozens of websites or use a quote tool.

To make this process easier, using a quote tool is the most effective option. These devices provide you with quotes from several insurance companies all in a single location. You can see which insurance companies are going to charge you more for your smoking habit (or lack thereof). You can even see what your rates would be if you stopped smoking, completely so that you can see how much money you would save.

Try the free quote tool above and you will find that it makes making your decision much easier. Plus, it will give you a clear picture of what you can expect to pay for your life insurance when you smoke cigars.

Give the life insurance tool a try today!

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