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.