Do you like to smoke cigars? If you end up at the wrong life insurance company, your cigar smoking will land you in the same rate class as a cigarette smoker! Fortunately, we know the rules and how to get you your non-tobacco rate with companies like Prudential
All cigar smokers receive non-tobacco life insurance rates at Prudential! That’s right. You may smoke cigars every day of the year, and Prudential will still give you a “standard plus” non-tobacco rate.
Your urine specimen may be positive for the nicotine byproduct cotinine, as Prudential does not care about this.
Prudential is the only life insurance company in the industry that will offer “standard plus” rates for daily cigar smokers. In fact, there are only a handful of life insurance companies that offer non-tobacco life insurance rates for daily cigar smokers, and those other companies would only consider you for their “standard” rate.
Prudential Life Insurance for Occasional Cigar Smokers
If you are an occasional cigar smoker, and you want a better rate than “standard plus”, different rules apply.
Prudential will consider your for their “preferred best” life insurance rates if you smoke 2 or fewer cigars per month, AND your urine specimen is negative for cotinine (about 10 days abstinence)
Prudential Life Insurance for Other Tobacco Products
Prudential’s non-tobacco rates may not apply if you are also a cigarette smoker, or if you quit smoking cigarettes within the past 5 years.