Cigar Smokers Life Insurance Approval

Life insurance underwriting guidelines may now allow for cigar smokers
Some Life insurance underwriting guidelines allow for cigar smokers

There’s no butt about it – Life Insurance is hard for Cigar Smokers

Indeed, it’s expensive to get life insurance if you like smoking cigars. Ditto for pipe or chewing tobacco users. However, certain insurance companies understand that the risk of these habits are far less than inhaling cigarettes and may classify you as a non-smoker. Yes, cigar smoker’s life insurance is become increasingly more understanding insurance underwriting guidelines.

As a casual cigar or pipe smoker, you may be eligible for the standard nonsmoker risk classification if you:

1. Meet all standard criteria and other criteria described in underwriting guidelines

2. Use chewing tobacco, pipe or cigars

3. May test positive for nicotine by urine sample

4. Have not used cigarettes in the past 12 months

Serenity Wealth Insurance offers a variety of alternative programs for clients with special circumstances. Life insurance is not out of reach! Contact us now to find out how we can provide you with affordable insurance. Curtis Hill, CFP and Irina Hill, CPA provide financial advice, investment advice, retirement planning, and life insurance in the Long Beach, CA; Lakewood, CA; Carson, CA; Bixby Hills, CA; Signal Hill, CA; and Los Angeles, CA areas.

Go to the Calendly.com calendar link below to schedule an appointment with an expert, Curtis Hill or Irina Hill. Discover how an as cigar smoker you can easily obtain life insurance to protect your family or provide for tax free retirement cash flow. Learn how “Not the same old advice” can benefit you.

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Curtis and Irina Hill with their happy dog Lucy
Curtis and Irina Hill with their happy dog Lucy
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Curtis Hill is a highly experienced Certified Financial Planner with over 30 years as an expert Financial Advisor
Irina Hill is a highly experienced CPA, and expert at tax and retirement planning
Serenity Wealth Management is a financial advisory firm affiliated with a SEC registered RIA, that helps businesses and individual with investment advice, financial planning, tax planning, insurance, and retirement planning.
Serenity Wealth Management is a financial advisory firm affiliated with a SEC registered RIA, that helps businesses and individual with investment advice, financial planning, tax planning, insurance, and retirement planning.