If you smoke cigars, you can still get a non-smoker risk class from many companies if you do not smoke cigarettes. Every company has different requirements to offer cigar smokers a non-smoker rate, so you should make sure before applying what your company’s rules are. Some companies will require a urine specimen negative for nicotine on the exam, while others will give a non-smoker rate even if you test positive for nicotine or smoke cigars every day.
Best companies if testing positive for nicotine:
Prudential – unlimited cigars, standard-plus non-smoker rates
Lincoln National – unlimited cigars, standard non-smoker rates
John Hancock – unlimited cigars, standard non-smoker rates
Companies that will give Preferred Plus non-smoker rates if testing negative for nicotine:
American General – up to 1 cigar/week
Banner Life – 12 cigars/year
Genworth – 12 cigars/year
ING Reliastar – 1 cigar/week
John Hancock – 12 cigars/year
Lincoln National – 12 cigars/year
MetLife – 4 cigars/year
Prudential – 2 cigars/month
SBLI – 12 cigars/year
Transamerica – 1 cigar/month
United of Omaha – 12 cigars/year
West Coast Life – 6 cigars/year
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