DeniseM

SpamMost life insurance companies tend to treat all tobacco usage in the same category. This includes cigars, pipes, and chewing tobacco. However, there are certain companies that apply the smoker rate to only those who smoke cigarettes. This one difference alone can make a huge difference to your premium rate. It is therefore imperative to choose and online provider who is well versed with which companies accept cigar smoking in the non-smoker category and who understand the underwriting process involved in qualifying for a particular rate with a specific company.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.