Question:

People who smoke cigars occasionally have to pay smokers’ rates for life insurance in Houston, TX ?

Eva from Houston, TX

Answer:

Eva, thanks for asking the question.

Whether people who smoke occasionally have to pay smokers’ rate for life insurance in Houston really depends on different insurance companies. Some life insurance companies regard people who smoke 20 or fewer cigarettes per day as moderate smokers and more than 20 cigarettes per day as heavy smokers , and offer somewhat lower rates for those who smoke less. But unfortunately, there is not yet an industry-wide consensus on this issue. A few companies’ policies are that all forms of tobacco are equally harmful, and thus charge cigar smokers and cigarette smokers the same rates. Other insurance companies take a middle-of-the-road position, charging cigar smokers more than non-smokers but less than the heaviest-smoking class. Some insurance companies even consider cigar smokers to be nonsmokers, offering the lower rates typically reserved for those who don’t smoke cigarettes at all.

You can try calling your insurance agent or doing some research to find the best life insurance rates available.

Remember that insurance companies will typically reevaluate your rates if you quit smoking for at least a year

This side offers a list of smoker-friendly insurance companies, i am sure you can find the best one for you.