RESOURCES - UNderwriting
Celebratory Cigar Usage - Nonsmoker Rates?

To qualify for a non-smoker program, all carriers require the client MUST be a Nonsmoker for 12 months. Any usage MUST be admitted to on the application. * The carriers listed below MUST have a negative specimen to qualify. All data must coincide with the admitted degree of usage. All other underwriting criteria must be met to qualify. Any carrier reserves the right to decline this offer if, in the sole discretion of the underwriter, the occasional cigar use would pose additional mortality risk due to other health conditions of the insured.

*Carriers with programs are as follows:

• American General – Occasional cigar may qualify for Nonsmoker rates subject to the following guidelines:
  
  • No more than one cigar per week may be smoked.
  • No nicotine in the urinalysis
    * No use of tobacco products, other than occasional cigars, for at least five years prior to time of application.
    If all criteria are met the best classification could be available.
• American National – Occasional cigar, up to two per month, negative urine can qualify for Preferred Plus.
• AXA – Occasional cigar may qualify for Preferred Nonsmoker with one or two cigars per month. No nicotine in the urinalysis.
• Bankers – Occasional cigar may qualify for Preferred Plus, Preferred or Standard Nonsmoker with no more than two cigars per month. No nicotine in the urinalysis.
  • Preferred Plus – No other forms of tobacco for four years.
• Banner – Occasional celebratory cigar (one per month), negative urine, may qualify for Preferred or Standard Plus Nonsmoker.
• Companion – Occasional cigar considered for Nonsmoker Plus with negative urine and no more than one cigar per month.
• Genworth – Occasional cigar for Nonsmoker rates with usage limited to 12 or less per year. No nicotine in the urinalysis.
• Hartford – Occasional cigar, up to four per month, with negative urine may be Preferred Nonsmoker.
• Indianapolis Life – Occasional cigar may qualify for Preferred Plus, Preferred or Standard Nonsmoker rates if no more than two cigars per month. No nicotine in the urinalysis.
  • For Preferred Plus – No other forms of tobacco for four years.
• ING – Occasional celebratory cigar, no more then 1 per week, negative urine may qualify for Super Preferred Nonsmoker rates. No mention of tobacco usage in the past three years in records or on MIB.
• John Hancock – Occasional celebratory cigar for Preferred Nonsmoker rates assuming no more than 12 per year. No nicotine in the urinalysis.
• Lincoln Benefit Life – Occasional cigar smoker may qualify for Preferred Nonsmoker assuming no more than one per month. No nicotine in the urinalysis.
• Lincoln National – Occasional cigar smoker for Preferred Nonsmoker assuming limited to 12 cigars or less per year. No nicotine in the urinalysis.
• Met Life – Celebratory cigars (four or less per year) for top classes with negative urine test.
  • For Elite there must not be use of any form of nicotine, other than occasional cigars, for five years.
    * Pipes and smokeless tobacco with negative urine may qualify for Nonsmoker rates. The best classes will be Standard Plus and Preferred.
• Nationwide – Occasional cigar, up to one per month, with negative urine may be Preferred Nonsmoker.
• North American – Occasional cigar (maximum two per month) with negative urine for Preferred Nontobacco.
• Prudential – Occasional celebratory cigar, maximum one per month, with negative urine for Preferred Non-tobacco.
• Sun Life – Occasional celebratory cigar, maximum three per month, negative urine may qualify for Nonsmoker rates. No mention of tobacco usage in the past three years in records or on MIB.
• Transamerica – Occasional celebratory cigar, no more than one per month, with negative urine for Nonsmoker rates.
  (These guidelines DO NOT apply to Term Preferred Plus and UL Select)
• United of Omaha – Occasional cigar for Nonsmoker Plus with negative urine and usage of no more than one per month.
• United States Life - Occasional cigar for Nonsmoker rates. Rates are subject to: No more than one cigar per week. No nicotine in the urinalysis.
  * No use of tobacco products, other than occasional cigars, for at least five years prior to time of application.
  If all criteria are met the best classification could be available.
• West Coast Life – Six celebratory cigars per year, with negative urine, may qualify for Super Preferred Nonsmoker rates.
• William Penn - Occasional celebratory cigar (one per month), with negative urine, for Preferred or Standard Plus Nonsmoker rates.