Typically an occasional celebratory cigar user 1-2 per month can still qualify for preferred rates. Tobacco usage has always been a risk factor in the underwriting of life insurance. However, based on current information, the true occasional cigar smoker has shown little if any true excess mortality.

Tags: Celebratory, Cigar Smoker, Current Information, Excess Mortality, Insurance, Life Insurance, Occasional Cigar, Preferred Rates, Risk Factor, Smoking, Tobacco Usage