Prudential is also a good carrier for occasional smokers/tobacco users. Cigar smoking can cause lung cancer and heart disease. Are my chances of cancer appreciably greater? Moreover, for anyone shopping for life insurance, be careful not to fall pray to questions at web sites such as “smoker” or “are you a smoker”. The health risks linked to occasional cigar smoking (less than daily) are less clear. However, I was not speaking of a particular life insurance company when I wrote this. Again, personal preference rules. Many life insurance companies will allow the “celebratory” or “occasional” cigar smoker to still qualify for non-smoking rates. I've noticed that all studies on "occasional" cigar smokers which show a slight increase start at between one cigar a day and one a week. That is the only carrier I know of that will give non-smoker to people who chew tobacco. He did not buy the policy. However, since the jury is still out on occasional … It is a great tool to stop smoking for some but until they are nicotine free for at least one year, I have found they still have to pay the tobacco rate. terms and conditions. Favorite Answer. However, cotine stays in the blood for up to 14 days. Most actuaries that I’ve worked with over the years insist on “tobacco” rates because of the ease in which tobacco users will substitute another form when their preferred one is unavailable. Good luck! Life is full of dangers and threats to your health. I use juices that have no nicotine in them. Premiums, of course, vary by the insured’s age, sex, and health history and status. This means an increased risk of stroke, heart attack, and heart disease. Even if you quit almost all underwriters are going to want to see you nicotine free for at least one year in order to give you the non tobacco rate. The biggest difference in exposure between cigarettes and cigars is inhaling the smoke. Only a small dose is dangerous — less than one tablespoon of many of the e-liquids on the market is enough to kill an adult, and as little as a teaspoon could kill a child) [source: Richtel]. To me it’s just a different delivery system. This is a minefield, particularly if the wording is “one cigar per month” or the more liberal, “12 cigars per year”. Prudential and Americo are two that allow you to smoke many more cigars than 3-4 per yr and still be listed as NT. For example, Canada and Mexico are not very far from many American cities, and those who are planning a Caribbean cruise will find Cuban cigars for sale on many of the islands. Many of which contain nicotine. Occasional Cigar Smoking. Greg, that is good news, thank you for sharing it! Occasional cigar smokers are smoking more frequently at special events. Moreover, daily cigar smokers, particularly those who inhale, are at increased risk for developing heart disease and other types of lung disease. He pulls hard on his cigar, lets out a huge cloud of smoke and tells her, “Looks like I made the right decision then.”. Danny. Although cigars are often considered as a pleasure best reserved for the evening or night, there are many excellent options that can be enjoyed in the morning.Whether you’re partial to pairing your cigars with a coffee or prefer to smoke them alone, a morning cigar can become a treasured ritual.. Carriers have seemed to go the other direction with the “Vapors”. What are the finer points of cigar smoking that every occasional smoker needs to know? Continuing, that page notes that the cancer rates for oral, throat, and esophageal cancers are the same smoking cigars and cigarettes. Then again e-Cigs are taking away precious government tax revenue from cigarettes. I am sure the companies that rate favorably know their actuarial tables. I would say the occasional cigar, like once a month, is an acceptable risk. I have not caved in my promise to myself and I will not, with or without the site. Most life insurance companies define that as one per month, though a couple of carriers have liberalized their rules to allow up to four per month, and under those terms they rate your risk of death for insurance purposes as “non-tobacco user.”. Without more specific studies, it would be reasonable to assume that more exposure results in greater risk even if the exact correlation is unclear. we all do things that are harmful to us though, so pick and choose wisely, my friend! Answer Save. Risk factors for people who are occasional cigar smokers (less than daily) are not known. Dont remember seeing smoking cigars in the bible a sin. The stuff that comes out of your car’s tailpipe is deadly, but no one has banned automobiles yet. He Loved his cigars! The wrapper – smooth and silky, and it burns to a wonderfully nutty note. That’s interesting Lynn, I find other carriers such as AXA, Protective and John Hancock have favorable ratings for the occasional cigar smoker. Here’s what you should know about smoking (even in small amounts): On average, every cigarette you smoke shortens your life by 11 minutes. The Chambers Brothers lyrics from 1966 even ring true today – “ohh the rules have changed today, hey – now the time has come – there are things to realize.”. I no longer have any nicotine in my e-cigs. 4 Methods Of Determining Life Insurance Requirements - universal life insurance. The amount of nicotine absorbed also varies and may depend on. Richard Overton, the United States’ oldest WWII veteran, died at the age of 112 and enjoyed cigars for 9 decades, smoking up to 12 every day. It is true that an occasional cigar smoker can be nicotine free in about 48 hours. He said – well if I don’t carry them with me – I don’t think I am a smoker. Yes jake, since it can cause lip cancer, tongue cancer, lung cancer, and other facial cancers. It goes without saying that 52 cigars a year will carry more risk that 5.2 cigars a year. Cigar smokers who want to try a Cuban cigar may do so in Cuba and in additional countries while traveling. best. Your email address will not be published. Is it? Now, I know that’s not kosher with KTC and I believe I must now be kicked out of the group as a dirty lowlife caver. I’ve found this answer in just about every single article written on cancer and the health risks of cigars. I’m at the age now where just putting my cigar in its holder is a thrill. I believe almost all agents do read the question as asked on the application. If any agents would like a field underwriting tool that outlines how various companies look at cigar use, I have a piece that I would be happy to provide. Smoking of any sort is NOT a moral issue, it is a health issue. I guess because I live in Tennessee and it was known for many years as tobacco country, there are still a lot of tobacco smokers. I know how little it takes to cause disease that kills, and no one knows whether he/she will be the one who gets hit in the game of Russian Roulette. I believe I used some life insurance policies to ignite them. Cigar smoking can cause lung cancer and heart disease. The app came back 300% higher as a smoker. Unfortunately, smoking is responsible for eighty percent of all cases. A $20 cigar every day may not be feasible for most, but if you’re smoking them occasionally, that amount here and there probably wouldn’t make or break most, either. From people I know that use e-cigs, apparently there are a multitude of choices for the “vapor” fluid. The following models will work with very occasional cigar smokers. The insurance … I personally represent scores of carriers. In fact, in my circle of cigar friends, not a single one smokes cigarettes. Most life insurance companies do not distinguish between the different types of tobacco use. The intense nicotine hit that a cigarette provides makes cigarettes highly addictive and difficult to smoke in moderation. As many as 51.1 percent of those calls involved accidental poisoning of kids under the age of 5 (roughly 42 percent involved adults age 20 or older) [source: CDC]. Cigar smoking does pose a serious risk to your health compared to not smoking cigars. There is no standardization on this any more than controlled diabetes getting std with some companies. Insurers generally define “occasional” as smoking 12 cigars or less per year. And none say smoking is a sin. I have been having a discussion with my mother over whether or not occasional cigar smoking is a serious health risk. When I called him he said he chewed nicotine gum whenever he got stressed out which apparently was about everyday. The sentence of concern was a generic “or” not a literal one. I suspect that if the user was “vaping” primarily a nicotine based fluid that they would test just as positive on either of the aforementioned tests as any other tobacco user. #1 - Ashton Classic. Minnesota Life will allow 12 per year. However, an FDA staff report shows that smoking up to two cigars a day is associated with minimal significant health risks. Therefore, to write an n occasional cigar smoker and secure a non tobacco rate, he or she must not use any tobacco 14 days prior to the paramedical exam and not smoking more than one cigar per month. “I’m at the age now where just putting my cigar in its holder is a thrill.”—George Burns, Image by Gualberto 107 at I do understand your concerns. With the companies mentioned they can qualify for std or std+. I smoked three cigars when I turned 60. United States About Youtuber Smoking a cigar is one of the finest pleasures in life as well as one of my biggest hobbies! In other words, there is no evidence that smoking cigars in … Yet, they will quickly show their weaknesses if you’re a regular smoker. How about e-cigarettes? Depends on age, amount, gender, health, etc etc etc. Occasional Cigar Smoking addiction ? We conducted a systematic review of published studies on current cigar smoking and all-cause and cause-specific mortality risks to inform potential regulatory approaches and future research that would strengthen the body of evidence. Whatever we wish to call it “Regular”, “Standard”, perhaps even “Preferred”. Nicotine dependence for cigar users, including withdrawal symptoms for both regular and occasional cigar users. 5 comments. Applicants can get standard plus nonsmoker rates with them. 2 Heavy cigar smokers and those who inhale deeply may be at increased risk for developing coronary heart disease. Smoking has health consequences whether you smoke a little or a lot. Steven, Transamerica are like the majority of carriers when it comes to tobacco use. What about occasional cigar smoking? They won’t overwhelm if your tolerance for strength is lower, but they still deliver tons of complexity and taste. The guy that drinks 3 mountain dews a day is a bigger sinner than an occasional cigar. Cigar smoking can cause lung cancer and heart disease. Tim – Anonymous. Go ahead, enjoy your cigar, and tell the smoking Nazis to go back inside, even if it is a nice day. In my experience, Pru and Americo have had a moderate toleration of cigar usage. Lv 6. The FDA, which now regulates cigars, has taken the position that “cigar smoking carries many of the same health risks as cigarette smoking.” The agency is requiring cigar packages and ads to display six new warnings, including: Cigar smoking can cause cancers of the mouth and throat, even if you do not inhale. Add to Cart. Cigars are not a safe alternative to cigarettes. Cigar smoking causes cancer of the oral cavity, larynx, esophagus, and lung. There are some doctors out there that will agree that the occasional cigar doesn't do any damage, and there is a good amount of data to support that. It can cause harm when it’s inhaled, but it can also be harmful when ingested or absorbed through your skin. Cigar smoking can cause cancers of the lung, oral cavity, larynx and esophagus as well as cardiovascular disease. CIGAR SAMPLE PACKS; OCCASIONAL ONE OFF'S; 3s, 5s, 10s + NEW ARRIVAL CIGARS; MASS MARKET CIGARS ; ACID & KFC by Drew Estate (Nicaragua) AGED, VINTAGE, RARE & COLLECTIBLE; AGED, VINTAGE & RARE SINGLE CIGARS; AGING ROOM (Dominican Republic) AJ FERNANDEZ (Nicaragua) ALEC BRADLEY ( Honduras ) ARTURO FUENTE DON CARLOS (Dominican Republic) ARTURO FUENTE CIGARS … Tim As well as the risk of oral cancers there is also an increased risk oesophageal cancer and there is a very strong link between cigar smoking and cancer of the pancreas. Also for the most part this in not up to the underwriter, they have manuals they underwrite by. Cigar smoking does pose a serious risk to your health compared to not smoking cigars. I love to post reviews and other information about cigars. If you smoke less than one cigar per day, then that makes you an occasional cigar smoker. I am also a huge supporter of the second amendment and always carry a firearm, love to bow hunt, and still enjoy the occasional video game. Quite a few are flavored as well, so that additional aspect could create a further (attractive) danger to children. Therefore, there is no definitive proof that the health of most people would be significantly impacted by smoking one or two cigars per week. The best cigars for occasional smokers tend to be milder. That is, smoking five cigars daily doubles the risk of smoking just two or three, and smoking 10 or more cigars each day seriously increases the risk. I’d limit it to a couple times a year. Sort by. but it’s worse than not smoking it all. To get coverage, you must answer “yes” in response to the life insurance application question about whether you’ve used any tobacco products in the last five years. Chris I agree and Al also try AXA Equitable has great rates and allows up to 12 cigars per year. It may also cause cancer of the pancreas. Ladies and Gentlemen, Whether a person smokes cigarettes, chews tobacco, dips tobacco, chews nicotine gum and wears a nicotine patch, they are all considered for tobacco rates. Even if you do not inhale there is an increased risk of heart and lung disease over non smokers (1 cigar a day would double your risk). I smoke several imported (Germany, Denmark, Switzerland) mini cigarillos a day and enjoy the heck out of them. I am not an underwriter. I don’t believe it is considering the frequency (2 to 3 cigars a week) and the fact that you don’t inhale cigar smoke. The more you smoke the greater the risk and like @whatthefluther says, nearly everything in life, enjoyable or otherwise, carries a risk but don’t sit there and try to kid yourself it is not impacting your health. The more you smoke, the … 36-year-old who admits to smoking a cigar ‘every now and then’ (less than once a year) and has never smoked cigarettes. Excellent points Tim, insurance companies the world over have different approaches and attitudes. Where are all those who cry out about the passive smoke hazard factor, cigars must be as bad for the bystanders as cigarettes. Cigar smoking can cause cancers of the mouth and throat, even if you do not inhale. And as a splurge cigar, Cohiba Connecticut brings the goods.   For those who inhale, cigar smoking appears to be linked to death from cancer of the pancreas and bladder, too. The bigger issue is the fact that the public does not recognize the use of nicotine in ANY form (patch, cigarette, cigar, piper, snuff, chew, dip, spit…you get the picture) is going to send most carriers into oblivion relative to smoker vs non-smoker status. A nurse aide turned her over using one of her arms which is what killed HER mother. My point was most carriers have their own unique way of asking the tobacco question especially since most now use a short app or drop ticket. Even if you do not inhale there is an increased risk of heart and lung disease over non smokers (1 cigar a day would double your risk). Therefore, to write an n occasional cigar smoker and secure a non tobacco rate, he or she must not use any tobacco 14 days prior to the paramedical exam and not smoking more than one cigar per month. So while the fabricated “perception” that inflation is low benefits the financial markets, the average person feels the reality every day with a true non-manipulated current inflation rate running at 6-8% in the real world where most of us live. See Shipping Policy for further information. Of course nicotine AND caffeine can cause high BP if used in too large quantities…yet caffeine is not a substance that would cause a higher premium. Think an Occasional Cigarette is OK? Cigar smoke has been shown to have higher levels of tobacco-specific nitrosamines—which can lead to lung and oral cancers—than cigarette smoke. Question: Risk of cancer with occasional cigars csrevenant - Wed Dec 09, 2009 5:05 pm: Share | Hello, I have been known to have the occasional cigar or cigarillo. . Electronic Cigarettes do not have all the tar and other carcinogens that cigarettes and cigars have. 100% Upvoted. Cigar Smoking Is Hard on the Heart . Here are just a few of the harmful health effects of smoking pipes and cigars: Cigars are not a safe alternative to cigarettes. To get life insurance for cigar smokers, it certainly pays to look into as many life insurance companies, like Banner Life Insurance, to find one that makes a distinction between cigar and cigarette smoking. But the problem with occasional cigar smoking is that the definition of occasional is completely subjective. My father in law was never seen without a cigar in his mouth. Part of this is undoubtedly due to the almost mythical nature of its genesis. Let me know if you need any assistance. To the Editor: In their article about the health risks of cigar smoking, Dr Baker and colleagues 1 failed to describe a dose-response relationship. Like you said, you don’t inhale, and you aren’t chuffing on a cigar 24/7. Three-quarters of all cigar aficionados are only occasional smokers. Yes. 300% is a pretty good up rate for a bunch of packages of gum! It is imperative to carefully, very carefully pay attention to the wordings of the application form questions as well as the actual contract wordings. But whether or not you inhale seems to be more important than how many cigars you smoke. 1 decade ago. Perhaps another agent here has come across a case and could share the results. Same exam requirements weather they are applying for tobacco, non tobacco or preferred non. I’ve read research that shows nicotine is no worse for you than caffeine. What's one of your favorite political quotes? Cigars are a growing public health concern, given the changes in cigar use patterns in the US and elsewhere since the 1960s. As a smoking/tobacco cessation expert who has taught people how to quit for decades, and as someone who has also been a licensed insurance agent for decades (no longer selling, so not familiar with most current underwriting rules), I’m shocked to hear that some companies assign preferred rates to the occasional cigar smoker. Do they get tested for nicotine/cotinine more frequently during the application process or thereafter ? However, cotine stays in the blood for up to 14 days. Now regardless of the carriers app I ask nicotine along with tobacco, no more surprises. There is no “safe” level of alcohol use either when it comes to cancer, according to the UK health service. Cigar smokers who want to try a Cuban cigar may do so in Cuba and in additional countries while traveling. Since the available data apply only to people who smoke at least one cigar a day, “the health risks of occasional cigar smokers . Whether or not they test positive for nicotine, the level of poison in those cartridges is ridiculous and, in my viewpoint, using them is a form of self-harm (sadly, often unknowingly). Are my chances of cancer appreciably greater? Realistically, if I have never smoked and I start smoking a cigar ever month or so, would I get addicted and have the urge to smoke more and more ? I stayed quit for about 5 years, until a friend had a baby and gave me a cigar as a celebration. Question. I just think it is curious that you aren’t under fire (no pun intended). We had trouble talking to the server. I had an interesting case a few months ago as well. . I’ve seen many times where PRU was lower priced than AXA. I personally don’t care, I agree about the air we breathe when we walk out the door. Electronic or e-cigarettes (vaping devices) Using electronic or e-cigarettes is often called vaping or JUULing. It’s the wise few carriers out there that realize true “occasional” cigar smokers, (which I am one) are not likely to use other tobacco products such as cigarettes. I appreciate your reply soon. Dan, thank you for kind words. I have personally found a couple of life insurance company underwriters willing to give the occasional cigar smoker a break on their life insurance premiums. This is usually considered to be 1 cigar per month, although some companies are even more relaxed, and allow up to 4 cigars per month. Another element for us in this profession to consider is the real inflation rate. There is, however, a problem with counterfeit Cuban cigars being sold to American tourists. Our priest quit smoking by using the nicotine gum. Possibly proprietary info, but doesn’t hurt to ask. Let me know if you find someone that will treat it differently. Any tips on staying away from being dependant on nicotine ? One cigar also contains 100 to 200 milligrams of nicotine, while a cigarette averages only about 8 milligrams. A 25-year-long study published in the Journal of American Medical Association reported that cigar smokers may suffer as much as 27% more risk than that of nonsmokers for coronary heart disease. They looked at two groups — one that smoked one cigarette or less per day and one that smoked one to 10 cigarettes a day. Cigar smoking can also trigger asthma attacks and can also worsen the symptoms and severity of these attacks in people who have been diagnosed with asthma. Under “once cigar per month”, a person smoking 2 cigars within one month, none in the following 11 months and one in the 12th months (a total of 3 in the 12 months period) would render the person a “smoker” while under the “12 cigars per year” the person technically would be a “non-smoker”. About three-quarters of cigar smokers are occasional smokers." He was not a happy camper but was a good enough friend that I could ask him – what do you think it takes to be considered a smoker? I smoked that and continued with occasional cigars, gradually becoming less occasional and more frequent. I wrote a client who used dipping tobacco with Prudential on a 20 year term policy and he was rated standard non-smoker. Cigar Smoking Is Hard on the Heart A 25-year-long study published in the Journal of American Medical Association reported that cigar smokers may suffer as much as 27% more risk … Cigar smokers who inhale are also at an increased risk for lung cancer, cancers of the pancreas and bladder, as well as heart and lung disease. I wish I could educate everyone about the dangers, but I can only help those who reach out to me! I personally consider all e-cig smokers to be smokers, not cheaters. The mythical genesis of Cohiba. All tobacco smoke contains chemicals that can cause cancer, and cigar smoke is no exception. Levoit is well-known for producing accessible and affordable air purifiers that are packed with features. Tobacco use is a very expensive rating on life insurance policies, usually double or triples the non tobacco rate. AXA is more affordable than Pru at least in most states. And even though you don’t purposefully inhale the smoke, you are inhaling parts of it by being in that same room. I have reached the point where I use the question of “do use nicotine in any form?” has become my standard question. Tobacco has taken a bad rap lately, and the occasional cigar is no more harmful to you than the occasional alcoholic drink. Here are the top three. Smoking patterns of primary and secondary cigar smokers (primary smokers have had no prior smoking history, unlike secondary smokers who have smoked other tobacco products.) Insurers should look more favorably on e-Cigs and not as additional revenue as the government does. Thanks! However I have been a Life Insurance agent for a few years. I started 4 years ago. I had a life insurance candidate one time that swore he did not smoke. Mary, it is funny how people view their smoking habits. This page contains some good information, including the fact that one cigar can have up to one pack of cigarette’s worth of tobacco. Remember they are looking for nicotine and cotine which still shows positive in your blood while using non smoking aids. You kidding me? Consider these environments in your creative. report. 100% Upvoted. are not known.” No Measurable Risk. "As many as three-quarters of cigar smokers smoke only occasionally," the NCI said, and "the majority of cigar smokers do not inhale." That is, smoking five cigars daily doubles the risk of smoking just two or three, and smoking 10 or more cigars each day seriously increases the risk. The was a recent news story on the poisonous hazards of these to small children, since the small squeeze bottles may be attractive to tots. Certainly the best way to get the best rates on life insurance is to stop smoking or nicotine intake all together. For example, as a cigar smoker, you may consider yourself a non-smoker since you “only” smoke a cigar two or three cigars per week. Of course, the urine sample you provide for your life insurance medical exam must be nicotine-free, too. report . if the person inhales smoke into the lungs. Even the government is trying tax them. Pru owns the market these days as far as e-cigs go provided it is the water based delivery system. When the paramedical examiner or nurse comes out to collect blood and urine samples, they must test negative for tobacco use. Next. LOL…Good question I guess is the “do you do ANY type of nicotine.” When we teach our life classes – we may mention your story. Thanks for the tips guys! Andrew, I have found e-cigs are rated because of the nicotine the same as the nicotine gum or patch. 7 Answers . It is true that an occasional cigar smoker can be nicotine free in about 48 hours. share. If you are nicotine free and only smoking that little try AXA Equable. Heart Health. Having also been around numerous professed cigar smokers on the links, some, not all, but some, will have the occasional cigarette or “pinch” during or after a game when they have run out of, or don’t have access to, their preferred smoke. Let’s just agree both could be good options for the occasional cigar smoker. I've tried researching the real risks of once-a-day, or less-than-daily cigar / pipe smoking, and I've found a few studies that address cigars and pipes specifically, but no real data on the risks of low-level smoking. Therefore, the health effects of occasional cigar smoking are not as clear as regular daily use. I think the jury’s still out on long-term health implications of using these as an alternative to using tobacco products, but would regular use of an e-cigarette give a positive cotine reading? Save my name, email, and website in this browser for the next time I comment. Realistically, if I have never smoked and I start smoking a cigar ever month or so, would I get addicted and have the urge to smoke more and more ? The occasional cigar is one every odd month. I’ve always liked an occasional cigar, going back way before my dipping days. By contrast, the smoker’s rate for the same coverage would be $1,400. Like cigarettes, cigars give off secondhand smoke, which is also dangerous. The insurance company by contrast, may consider the dividing line between smoker and non-smoker to be the consumption of more than one cigar per … Cigar bars/shops are places where the frequent cigar smokers are smoking more often compared to the occasional smoker. This group of occasional (less than fortnightly/monthly) premium cigar and premium cigarillo smokers was comprised of younger people relatively new to smoking premium cigars and cigarillos, as well as older smokers who were quite similar in reported smoking situations to regular premium cigar smokers. e-Cigs help people quit smoking cigarettes yet they are bastardized the same. share. Requestor comment 2e): “Moreover, Monograph 9 recognizes that these health effects are not experienced by the occasional cigar smoker (1-2 cigars per day). Log in or sign up to leave a comment Log In Sign Up. Among younger cigar/cigarillo smokers, smoking behaviour was reportedly largely opportunistic. If the question was put to occasional cigar smokers, I have little doubt that most would immediately declare Cohiba the finest of all. Remember it is the occasional cigar smoker they are looking for not the weekly cigar smokers. Great information Tim. Greg, would you share a few? Smoking more cigars each day or inhaling cigar smoke leads to more exposure and higher health risks. Monograph 9 states that ‘regular cigar smoking causes cancer of the lung, oral cavity, larynx, esophagus, and probably cancer of the pancreas.’ (Monograph 9 at 155). How to apply this to your marketing. I’ve been in underwriting a long, long time and am just as curious as to the “whys” as the end results. I smoke blunts on the daily and I feel great. … Risk factors for people who are occasional cigar smokers (less than daily) are not known. Realistically: The carcinogens (Cancer causing compounds), would most likely be warded off by your immune system and you would be fine. if the cigar has a filter or tip. Most life insurance companies allow for occasional, celebratory cigars. She tells him that second hand smoke has been found to be even more dangerous than first hand smoke. Background The sale of cigars in the United States has been increasing since 1993. Cigar smoking is a known risk factor for certain cancers and for chronic obstructive pulmonary disease (COPD). Do you have any client from India who want to do Life Insurance only in India You can Recomend for his well being .