Cigars & Life-Insurance... some real issues

[wayner123]

Originally Posted by T.G

This has been covered on other forums over the years and often times it ends up getting heated...

Best logical advice is that rather than trying to hide it/not claim it/cheat the insurance company is to simply shop around and find an insurance company that differentiates between the various forms of tobacco use. There are some that only have a minimal increase in rates for cigar smokers as compared to cigarette smokers. Then you're covered and you have nothing to worry about.

This is sort of what I was getting at. If they don't require a blood test, then they might not consider cigars tobacco use. Just talk to your agent. And I use the motto, it's better safe than sorry.