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

To get an instant quote and compare life insurance rates from these companies, just click the banner above or below to get started.  You can also call us at 703-753-3314 or toll-free at 1-800-571-2980 from 9 AM to 9 PM eastern time, or send us an e-mail 24 hours a day.