Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

by John Darer® CLU ChFC CSSC RSP CLTC

There are several life insurance companies that will allow non-smoker rates for users of cigars, pipes, chewing tobacco, nicotine gum, lozenges and e-cigarettes, even with nicotine in the urine.   In order to qualify you will still need to be a non-cigarette smoker for at least 12 months.

You will still need to complete the normal underwriting process and other risk factors could impact your cost of insurance or whether or not you are insurable.

 

Smoke a cucumber

Life insurance cigars and golf

Occasional cigar with buddies OK

 

 

 

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