Re: Cigars & Life-Insurance... some real issues
Personally I prefer full disclosure.
In my area its have you used any form of tobacco in the past 12 months - if yes smoker.
They do have a couple of companies that have cigar smoker rates. But it depends on the amount of cigars. If you smoking 50 cigars a year they will class you a smoker in my area.
I would personally and I have declared my smoking use and it costs me 15 $ a month more but thats cheap in my world for peace of mind.
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