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Are cigar smokers in danger of paying high premiums?

When life insurers rate the risk of insurance companies, they also check the smoking status of customers. Cigars and other cigarettes are all types of nicotine, and if consumed by people, they are considered to be smokers. However, that doesn't mean that people who smoke either cigars or cigarettes are uninsurable. As a matter of fact, major insurers differ on how they regard cigar smokers, so you will be able to find a policy.

Yes, you will be in danger of paying higher premiums because those who smoke usually have a higher risk of passing away or getting serious illnesses that might cost the insurance companies a lot of money. However, if you are a cigar or cigarette smoker you can still find affordable insurance. Here are some great tips that will help you save money:

• Try smoking less, or quitting smoking 
• Try improving your health by dieting
• Try improving your health by exercising
• Shop around for insurance
• Consult with physicians and doctors
• Try anti-smoking nicotine patches
• Know that by smoking you are putting your health in danger, and try not to smoke as muchry cold turkey
• Try special gums
• Try anti-nicotine patches
• Try getting a good pep-talk  from your family and friends
• Keep in mind all of the health hazards that smoking brings
• Look for insurers and special policies for smokers
• Know that if you don't smoke, your teeth will be whiter

The HHS claims, "Regular cigar smokers have risks of oral and esophageal cancers similar to those of cigarette smokers . . . [and] the risks of tobacco smoke exposure are similar for all sources of tobacco smoke, and the magnitude of the risks experienced by cigar smokers is proportionate to the nature and intensity of their exposure.'