Life Insurance for Cigar Smokers
Life Insurance for Cigar Smokers — Many cigar smokers are surprised to learn they can often qualify for non-smoker life insurance rates. At Diversified Insurance Brokers, we specialize in helping clients who enjoy cigars occasionally find affordable coverage that fits their lifestyle. Whether you smoke once a month or only during special occasions, the key is working with an independent agency that understands how top-rated insurers classify cigar use. Our advisors compare multiple carriers to secure the best underwriting category possible, often at standard or preferred non-smoker rates.
Find out which companies will classify your cigar use as non-smoker and how much you can save.
Request InformationCan Cigar Smokers Really Get Non-Smoker Rates?
Yes, in many cases they can. Unlike cigarette use, occasional cigar smoking doesn’t automatically place you in a tobacco or smoker rate class. Insurance companies often make exceptions for applicants who smoke cigars infrequently and test negative for nicotine in their lab results. At Diversified Insurance Brokers, we know which carriers are most favorable toward cigar use, helping you avoid overpaying due to misunderstanding or outdated underwriting rules.
How Cigar Use Affects Life Insurance Rates
Underwriters evaluate cigar smoking differently than daily cigarette or vape use. Some companies consider the frequency of use, whether nicotine shows up in blood or urine tests, and if you use other forms of tobacco. For instance, an applicant who smokes a few cigars per year—especially without inhaling—may qualify for non-smoker life insurance rates. There is no limit on the number of cigars used, but you must not use cigarettes AND cigars, otherwise, you will likely end up with smoker rates for life insurance.
Our advisors understand the nuances of underwriting and work directly with underwriters to make your case. By submitting full details and ensuring accurate lab results, we can often secure classifications equal to applicants who have never smoked cigarettes.
Underwriting and Rate Classification
This is where our experience makes the biggest difference. Diversified Insurance Brokers knows which insurers view occasional cigar use leniently. If you disclose cigar use openly and your nicotine test comes back clean, several carriers will issue policies at non-smoker or even preferred rates. Even if you test positive for nicotine, we can recommend companies that consider cigar users separately from cigarette smokers.
We also help compare policy structures, such as converting term coverage later on or using flexible convertible term life insurance options. Our goal is to ensure your life insurance remains affordable while still qualifying you for the best possible rate class.
Types of Policies Available to Cigar Users
Cigar smokers have access to the same life insurance products as non-tobacco users, including term life, whole life, and universal life options. If you smoke only on occasion, there’s no reason to settle for inflated “smoker” premiums. We help clients compare guaranteed level term plans, permanent policies with cash value, and hybrid solutions that provide flexibility if health changes later.
Some clients also choose to explore supplemental coverage through group plans or individual life insurance comparisons to balance their total protection.
How to Apply Successfully as a Cigar Smoker
Honesty and preparation are essential. Always disclose your cigar use, even if it’s infrequent. Our team helps you complete your application so the underwriter clearly understands your lifestyle. We’ll review lab testing requirements, prepare your health summary, and position your profile with insurers known for favorable table ratings. You’ll also learn which companies treat cigars differently from other tobacco products and which allow multiple cigars per week at standard rates.
How Much Can You Save?
By qualifying for non-smoker rates, many applicants save 30–60% on their annual premiums compared to smoker rates. That difference can translate into tens of thousands of dollars over a policy’s lifetime. If you currently hold a smoker-rated policy but qualify for non-smoker classification, we can help you reapply or review your policy to ensure it reflects your true risk class.
Compare Rates for Cigar Users
We’ll identify which carriers treat cigar users as non-smokers and show you exact rate comparisons.
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Use our calculator to compare 10-year term quotes alongside longer terms and permanent coverage options for cigar users.
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Why Work with Diversified Insurance Brokers
We’re a family-owned, fiduciary insurance agency licensed in all 50 states. Since 1980, Diversified Insurance Brokers has helped thousands of clients nationwide find fair, accurate life insurance classifications. With access to more than 75 A-rated carriers, our advisors can identify insurers who treat cigar use most favorably, ensuring you get the best rate possible.
- Licensed in all 50 states with 75+ top-rated carriers
- Independent and fiduciary — we work for you, not the insurer
- Specialized expertise in cigar, marijuana, and other lifestyle underwriting
- Fast quotes, no-pressure consultations, and transparent policy comparisons
FAQs: Life Insurance for Cigar Smokers
Can cigar smokers get non-smoker rates?
Yes. Many insurers offer non-smoker or preferred rates for occasional cigar use, especially if you test negative for nicotine.
How often can I smoke cigars and still qualify?
Some companies allow up to one cigar per week or a few per month without labeling you a smoker. Requirements vary by carrier.
Do I have to disclose cigar use?
Yes. Always disclose cigar use on your application. With the right insurer, honesty won’t affect your ability to qualify for good rates.
Will a nicotine test affect my rates?
If you test negative for nicotine, you may qualify as a non-smoker. Positive tests can still result in favorable cigar-user classifications.
Which companies are best for cigar smokers?
Several A-rated carriers are known for lenient cigar underwriting. Diversified Insurance Brokers can match you with the most suitable one.
Can I switch my current smoker policy?
Yes. You can often reapply or replace your policy once you qualify for a non-smoker classification, lowering your premiums substantially.
Do cigar smokers pay the same as non-smokers?
Not always, but premiums can be very close. We regularly help clients achieve standard or preferred non-smoker pricing.
Are occasional celebratory cigars a concern?
No. Most insurers won’t penalize you for rare, social cigar use when properly disclosed and documented.
What’s the best policy type for cigar smokers?
Term life insurance offers affordable protection, while permanent life policies provide long-term value. We’ll help you compare both.
