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✔ You smoke cigars
✔ You are looking for burial insurance
✔ You want to pay the least amount possible for your burial insurance
✔ You want to know how to find the best burial insurance plan for you and your family
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Everyone knows that tobacco rates for life insurance are almost double what non tobacco users pay.
But what if we told you…
There are companies that consider cigar smokers as NON TOBACCO?
Did you know they were out there?
Every funeral insurance company underwrites in their own way. There are final expense life insurance carriers that absolutely offer non tobacco rates to cigar smokers.
In this article, we are going to talk about how life insurance companies define tobacco use, which carriers are best for cigar smokers, and how to find the best burial insurance plan possible.
Burial Insurance Companies Tobacco Definitions
As you are probably well aware, it’s unheard of for any underwritten (with health questions) burial life insurance plan to not ask about tobacco use. Just to be clear, a final expense plan with underwriting is simply one with health questions and a prescription history check.
Only a burial plan with underwriting has the ability to cover you in full on day one of your policy. On the other hand, there are funeral insurance policies without health questions. These have no medical questions of any kind or medical background checks.
You will often hear them referred to as guaranteed issue or guaranteed acceptance burial insurance plans. While this sort of policy may sound wonderful, they truly are not the best option for most folks.
Here’s the rule to go by for no health question policies
You should only resort to a guaranteed issue plan only after you have exhausted all underwritten final expense life insurance options.
Getting back to tobacco definitions, most companies follow pretty much the same guideline, but there are some who stand alone.
Here’s The Most Popular Question That Insurance Companies Use To Define A Tobacco User
In the last 12 months, have you used tobacco or nicotine in any form?
Most burial insurance companies use that question to define whether or not you are a tobacco user, and thus subject to tobacco user rates.
You probably noticed that it references both tobacco and nicotine. If you use any of the following, you would need to say yes to that question:
- Chewing Tobacco
- E-Cigarettes/Smokeless Cigarettes/Vaping
- Nicotine patches
- Nicotine gum
- Basically Anything That Contains Tobacco Or Nicotine In Any Form In Any Amount
It’s worth noting too that they don’t care about volume. It could be one cigarette, one cigar, one piece of nicotine gum, etc. It’s a simple yes or no to them. You either have (however little or large) used tobacco or nicotine within the last year, or you haven’t (like at all).
How Cigar Friendly Companies Define Tobacco Users
As we said from the very start, there are indeed burial insurance companies that classify cigar use as non tobacco use. Thankfully these companies exist because it means you could save as much as 50% on your monthly premium. That is a huge amount to save each and every month for the rest of your life!
For the companies that do offer non tobacco rates to cigar users, their tobacco questions are much different. In most cases, you will see them ask about tobacco in one of two ways.
Here is one way they may ask about tobacco use.
In the last 12 months, have you used tobacco in any form excluding occasional cigar use?
On the surface, this question can throw a lot of people off at first glance. However, upon taking a second look, you immediately notice they overtly exclude occasional cigar use. The only thing to take into consideration is- What’s their definition of “occasional” cigar use?
Honestly, it will vary by company. With that, occasional cigar use will typically be defined as no more than 12 cigars in a year. If you smoke more cigars than they allow, you will need to look at a company that allows for cigar use in any volume (see below).
Here is another way they may ask about tobacco use.
In the last 12 months, have you smoked cigarettes?
This question is not as clear even though it’s pretty direct. The thing to pay close attention to with this question is the fact that they are ONLY asking if you have smoked cigarettes.
Cigars are not cigarettes
Because they are not asking about “any” tobacco use, you can honestly say no to this question which entitles you to non tobacco rates. Additionally, they are not defining how many cigars they are or are not comfortable with. You could smoke 5 cigars per day everyday, and they still wouldn’t care. They are only asking if you have smoked cigarettes within the last year. As long as you can honestly say no to that question, you are eligble for non tobacco rates with a company like this.
How To Find The Best Burial Insurance For Cigar Smokers
It’s probably very obvious that the best funeral insurance for a cigar smoker is a plan from one of the companies that offer you non tobacco rates in spite of your cigar use.
Here’s the bottom line
The best burial insurance plan, for anyone, is simply the one from a reputable insurance company that costs the least and covers you the soonest.
To find that kind of burial insurance plan, you need to put your trust in a highly experienced, properly equipped agency to help you. If you follow our success formula below, you would be working with the right kind of company that will help you find the best plan.
To find the best burial insurance for cigar smokers, you have to allow an independent final expense agency that represents lots of insurance companies to help you. In particular, they need to represent multiple carriers that offer non tobacco rates to cigar users.
Ultimately, an experienced company that fits this profile, will perform two huge services for you.
- They will utilize their expertise to assess your health, and determine which life insurance companies will view your health the best
- They will compare prices from all the various insurance companies they represent to find you the lowest rate possible
Choice Mutual is an independent burial insurance agency that represents many different insurance companies. We have helped thousands of families, and we can help you too.
Insurance Companies That Offer Non Tobacco Rates To Cigar Smokers
Below is a list of all the burial insurance companies we are aware of that will offer non tobacco rates to cigar smokers. Your best and least expensive burial insurance plan will very likely be with one of these companies. Hopefully, you don’t have any health issues that prevent you from qualifying with them.
Use the quote tool on this page and be sure to select non tobacco. Doing so will allow you to see what rate you would pay with these companies.
Americo is an A rated company that has been in business over 100 years. They don’t care how few or how many cigars you smoke. They will still offer you non tobacco rates. We represent this company, and can help you secure coverage with them.
Equitable Life & Casualty
Equitable has operated for over 75 years, and has an outstanding financial record. Like Americo, they don’t care about cigar use in any volume. They will still offer you non tobacco rates. We work with this company, and can help get a burial policy with them.
American Amicable Life Insurance Company
Operating since 1910, American Amicable Life Insurance Company of Texas has a stellar financial track record. They have a strong balance sheet and maintain an A rating with A.M. Best. They will offer non tobacco rates for anyone who occasionally smokes cigars or pipes. We are contracted with this carrier, and can certainly help you acquire a non tobacco rating policy with them.
Dating back to 1905, Lafayette Life is a well established and respected life insurer. They have beyond excellent financial ratings among all the top ratings companies. Like all the previous insurers, they also offer non tobacco rates to cigar smokers. Unfortunately, Lafayette is not a company we represent because they require an agent to visit you in your home. If you would like to explore coverage with them, visit their website to learn more.