[ckay]

I don't know if this has been mentioned. There are two year clauses built into most life insurance policies. If you mention you are a non-tobacco user, yet you smoke and die regardless of cause within those two years, your life insurance provider can void the contract if they can prove that you had misinformed the company while applying.

That two year period is also built in with suicide clauses. Beyond those two years, you are good to go.

As far as cigar smoking, based on what I've seen...Prudential and MetLife have best consideration for the casual cigar smokers...as in non-tobacco rates.