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Get a Non-Smoker Rate

Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like Cigar Smoker. Many insurance companies decline Cigar Smoker coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.
Even if you smoke more than one cigar a week, you can still obtain a non-smoker rate! It is important to note that some companies will classify you as a smoker. This means they will charge you double the rate they should. However, if you contact us, we can save you money by finding you non-smoker rates!


How Often do You Smoke Cigars?

Occasional Cigar Smoker: Fewer than 12 a year (once per month)

Insurance providers may consider you a non-smoker and offer you preferred best or preferred rates. However, you would have to smoke cigars fewer than 12 times per year and test negative for nicotine on a medical exam. Give yourself around 2 weeks from your last cigar to schedule the medical exam to ensure the nicotine is out of your system.

Moderate Cigar Smoker: 12-52 cigars per year

If you smoke 12-52 cigars a year (once a month to once a week), you may also get a preferred plus non-smoker rate.

Regular Smoker: more than 52 cigars per year

Even if you're a regular smoker you can actually qualify for non-smoker rates. It doesn't even matter if you test positive for nicotine on your medical exam. you may be able to obtain a non-smoker plus classification. This is equivalent to a standard plus rate.

Leave it to Us– Don't Miss Out!

Finding companies that will offer you such affordable rates is not an easy task. There are very few companies that will offer you a non-smoker health classification or standard rates. However, we are experienced in working with a variety of life insurance companies and know which can suit your needs. We look at your case at a very individual basis to find you the best option available.

Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.