Life Insurance and Cigars

With my company, we allow you up to 24 cigars a year and you can be considered a non-smoker.

The two year contestability clause is the same with pretty much every insurer. Honestly, it almost never becomes an issue with the exception of suicide (If you take out a policy and committ suicide within the first 2 years, the insurance company can deny the claim and recscind the policy. By rescinding, they return all premium paid by the insured and basically act as if the policy didn't exist at all)

I am a life insurance provider in California, so folks can contact me if they have any questions..

[P.S. --- No, I don't work for AIG.. ]