Cigars & Life-Insurance... some real issues

[e-man67]

My insurance tests and states the if you have used tobacco in the last 12 months it qualifies you as a tobacco user...I pay $25 extra per pay period (x 2 weeks) to smoke cigars. I may smoke 2 a week in the winter months and usually 5-9 per week in the warmer months (more like 5).