Here is a link to an insurance broker's blog that discusses Life insurance and cigar smoking which can shed some light on frequent and infrequent cigar use.
I have no alliliation with Ed Hinerman but I did purchase Life insurance a few years ago from him and he is very informative and a straight shooter.
He knows the companies that have the best policies for cigar smokers.
I think if you are seriously looking for a policy he will help even if you don't buy it from him.
Look around his site, it helped me.
He's located in Salida, CO.
http://hinermangroup.com/blog/category/cigar-smokers/
I get nothing from him if you look at his site or do business with him.
Good luck.