Smokers who qualify for life insurance usually pay higher premiums than nonsmokers. However, life insurance broker and founder of Cigar- lifeguy.com, Dave Arlinghaus, has uncovered classified information that life insurance companies aren’t telling cigar smokers.

According to Arlinghaus, daily cigar smokers can qualify for standard, non-tobacco rates on life insurance if they apply to the correct life insurance companies. Each insurance company evaluates perspective clients differently. There are a few top-rated life insurance companies in the United States that will offer non-tobacco rates to regular cigar smokers. “The whole key to getting non-tobacco rates as a ci- gar smoker is applying with a company that treats you as a non-tobacco user. That’s where Cigar Life Guy is invaluable,” explains Arlinghaus.

The query process is simple. After a quick phone conversation with Arlinghaus and the completion of an electronic application, perspective clients engage in a phone interview with the insurance company, and a physical exam may be scheduled.

“The important thing for the applicant to do is be up- front with us about their health and lifestyle history, including their nicotine use,” says Arlinghaus. “As long as you apply with the right company, admit the tobacco use on the application, don’t smoke cigarettes, and otherwise qualify for life insurance, you’ll be just fine.”

The price difference between being classified as a smoker versus a nonsmoker for life insurance can triple the cost of the policy. Dave Arlinghaus of Cigarlifeguy. com will make sure you go with the right company.

George Manzella is a passionate cigar smoker who credits his father for introducing him to the leaf in 1994 when he was just 18 years old. George has been a high school teacher of English in New Jersey, USA since 2003 where he has taught literature, writing and journalism. He is also the founder of the New Jersey Cigar Club. George wrote for two local community periodicals prior to joining Cigar Journal in 2015. His passion for premium tobacco and his zest for writing has taken George on a remarkable journey through an enchanted world of unforgettable memories and life-long friendships.




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