Reader question:

What is the effect of smoking cigars on an Atlanta GA life insurance rate comparison?

Anne

Glad you asked.

When you smoke cigars, it is even more important to make an Atlanta GA life insurance rate comparison than ever, because you are most likely to be faced with higher rates.

You may be incredibly healthy, but as a smoker, you still have a higher chance of developing health problems, and even if you pass your physical with flying colors, your life insurance company will still take that into consideration with rating your policy. While cigars are not as unhealthy as cigarettes, they still contain many of the same ingredients, which is also a reason why you will be charged more for your life insurance if you chew tobacco as well.

There is a difference, though, between being a smoker and being someone who smokes a cigar now and then on special occasions. Companies have different ways of determining this. For some companies, if you smoke one cigar or less each year, then you will not be charged as a smoker, but any more than that and you will.

If you are a person who smokes cigars irregularly, then you should do an Atlanta GA life insurance rate comparison and also check out what the companies’ policies are for celabratory smoking.