And as a splurge cigar, Cohiba Connecticut brings the goods. I can;t tell the number of times an applicant has tagged up positive, even for occasional use. Whatever we wish to call it “Regular”, “Standard”, perhaps even “Preferred”. Among younger cigar/cigarillo smokers, smoking behaviour was reportedly largely opportunistic. 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. I smoke several imported (Germany, Denmark, Switzerland) mini cigarillos a day and enjoy the heck out of them. 100% Upvoted. That extra nicotine may be why smoking just a few cigars a week is enough to trigger nicotine cravings. Cigar smoking can cause cancers of the mouth and throat, even if you do not inhale. OCCASIONAL ONE OFF'S. 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. AXA is more affordable than Pru at least in most states. Thanks for the sharing. Please try again. Risk factors for people who are occasional cigar smokers (less than daily) are not known. Occasional Cigar Smoking. 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. 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. However, an FDA staff report shows that smoking up to two cigars a day is … See, the applications usually say “do you use any TOBACCO products”. As long as you are old enough to smoke, you can make up your own mind, can’t you? Depends on age, amount, gender, health, etc etc etc. How to apply this to your marketing. Unfortunately, I couldn’t save that one. Prudential is also a good carrier for occasional smokers/tobacco users. Tobacco has taken a bad rap lately, and the occasional cigar is no more harmful to you than the occasional alcoholic drink. In other words, there is no evidence that smoking cigars in moderation—with moderation defined by the way most cigar smokers actually behave—poses a measurable health risk. Most life insurance companies are not only testing for nicotine but also cotine. It certainly is possible to test positive from second hand smoke though it’s highly improbable. Groups of low-level or occasional smokers include: The social smoker: Tends to only smoke in social settings, like at the pub or when out with friends. 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. If you have EVER smoked or consumed tobacco or nicotine or related substances, consult with a professional life insurance agent or broker who is properly equipped and also knowledgeable. 1 decade ago. And none say smoking is a sin. 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 is true that an occasional cigar smoker can be nicotine free in about 48 hours. 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.”.   Tim Most life insurance companies allow for occasional, celebratory cigars. Save my name, email, and website in this browser for the next time I comment. Let me know if you need any assistance. Dan, thank you for kind words. well the first thing is if your client smokes Cigar , chews or dips there are several companies out there that will write them as a non-smoker. 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. 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. Good luck! Cigar smokers who want to try a Cuban cigar may do so in Cuba and in additional countries while traveling. Electronic Cigarettes do not have all the tar and other carcinogens that cigarettes and cigars have. 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. My direct line is (615) 294-5677. I have no knowledge of a long term user testing positive for cotine on e-cigs. Any tips on staying away from being dependant on nicotine ? Thank you for sharing them. I would think an applicant could legally answer that question as “NO”. Insurers should look more favorably on e-Cigs and not as additional revenue as the government does. He said – well if I don’t carry them with me – I don’t think I am a smoker. I had a life insurance candidate one time that swore he did not smoke. The occasional cigar is one every odd month. Is it? I just think it is curious that you aren’t under fire (no pun intended). Heavy, Speaking of second hand smoke, I saw a comedy routine where a guy is puffing away on a huge Churchill type cigar in a restaurant when a lady walks up and scolds him. Steven, Transamerica are like the majority of carriers when it comes to tobacco use. This page contains some good information, including the fact that one cigar can have up to one pack of cigarette’s worth of tobacco. 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. IMHO I personally feel the Tobacco Nazis have placed such a big scare on the American public that insurers don’t want to look at the reality of things and just rate anything that has nicotine associated with it. Are my chances of cancer appreciably greater? They would have to stay under the face amount requiring a blood test. Remember it is the occasional cigar smoker they are looking for not the weekly cigar smokers. It is helpful in determining which carrier will treat your cigar smokers the most favorably. The biggest difference in exposure between cigarettes and cigars is inhaling the smoke. Cigar smoking causes cancer of the oral cavity, larynx, esophagus, and lung. Any tips on staying away from being dependant on nicotine ? Certain e-cigarette devices may also release metals during use — including tin in some cases — as well as other impurities known to be toxic and/or carcinogenic.”. Excellent points Tim, insurance companies the world over have different approaches and attitudes. The choice is yours. That’s interesting Lynn, I find other carriers such as AXA, Protective and John Hancock have favorable ratings for the occasional cigar smoker. I smoke blunts on the daily and I feel great. Not sure what you mean by the “standardization” of “occasional” cigar smokers. 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. But the problem with occasional cigar smoking is that the definition of occasional is completely subjective. 7 Answers . Our priest quit smoking by using the nicotine gum. I personally consider all e-cig smokers to be smokers, not cheaters. Cigar smoking does pose a serious risk to your health compared to not smoking cigars. I am an avid cigar collector and smoker. but it’s worse than not smoking it all. Therefore, the health effects of occasional cigar smoking are not as clear as regular daily use. if smoking the first part or last part of the cigar. 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.) Cigar smoke has been shown to have higher levels of tobacco-specific nitrosamines—which can lead to lung and oral cancers—than cigarette smoke. Log in or sign up to leave a comment Log In Sign Up. Your email address will not be published. Many life insurance companies will allow the “celebratory” or “occasional” cigar smoker to still qualify for non-smoking rates. Most life insurance companies do not distinguish between the different types of tobacco use. The app came back 300% higher as a smoker. How about e-cigarettes? Cigar bars/shops are places where the frequent cigar smokers are smoking more often compared to the occasional smoker. There is no standardization on this any more than controlled diabetes getting std with some companies. Andrew, I have found e-cigs are rated because of the nicotine the same as the nicotine gum or patch. Then again a blood test would show nicotine in the blood and they will be rated as a smoker and flaged as a potential commit’er of fraud. 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 realize that smoking anything is not the best for my health but, realistically, what would happen if I had a cigar once every couple months? Labeling something “bad” is a moral judgement. 5 comments. He joked that now he had dental problems instead of breathing problems. I know hundreds of people that have quit smoking analogs using e-cigs. I do enjoy a cigar from time to time, 3-4 a year. In the “If yes, explain” section, honestly describe how many cigars you puff per year. Cigar smoking does pose a serious risk to your health compared to not smoking cigars. Do you think graphic images on cigarette packages will actually help fight addiction? He is a family man, father of 3, entrepreneur, insurance agent, life insurance broker, salesman, sales trainer, recruiter, public speaker, blogger and team leader with over 27 years of experience in sales and marketing in the insurance and beverage industries. Cigar smoking has many similar consequences as cigarette smoking, including four to 10 times the risk of dying from oral, esophageal or laryngeal cancer in comparison to non-smokers. 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). I’ve read research that shows nicotine is no worse for you than caffeine. Smoking more cigars each day or inhaling cigar smoke leads to more exposure and higher health risks. Some testing suggests it’s not only the nicotine that may be dangerous. 1,2 Cigar smoking is linked to gum disease and tooth loss. According to cancer.org, "The health risks linked to occasional cigar smoking (less than daily) are not known". Now regardless of the carriers app I ask nicotine along with tobacco, no more surprises. What are the finer points of cigar smoking that every occasional smoker needs to know? share. I just applied for Transamerica and they claim I was a smoker but I hadn’t had a cigar in months. Cigar smoking can cause lung cancer and heart disease. #1 - Ashton Classic. Anonymous. Levoit is well-known for producing accessible and affordable air purifiers that are packed with features. I smoked a sublime tatuaje and watched the game. Many rules related to cigar smoking have sprung up over the years, along with etiquette guides – some covering a few basic rules, and some encompassing lengthy essays. Of course, the urine sample you provide for your life insurance medical exam must be nicotine-free, too. Mary, it is funny how people view their smoking habits. I would like to not only sell it to the public but I also need to renew my term policy that was written as a non-smoker from back when I used the “occasional cigar”. 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 best cigars for occasional smokers tend to be milder. 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”. I thought this was a good read for insight from both the eyes of the consumer and Life Insurance companies. Thank you Meryl, I totally agree. I really appreciate you sharing it. For instance, this particular model is Wi-Fi enabled and compatible with both Alexa and Google Assistance. I couldn’t agree more with your sentiments. 0 0. Occasional Cigar Smoking addiction ? 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 … I’ve been in underwriting a long, long time and am just as curious as to the “whys” as the end results. With the companies mentioned they can qualify for std or std+. Cigars and Nicotine Addiction. 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. Would love to hear from some lab folks on how they distinguish these groups. Tobacco use is a very expensive rating on life insurance policies, usually double or triples the non tobacco rate. The nicotine content of cigars varies and is not based only on the size of the cigar. Decks/patios at homes, a group hanging outside a special event, on the golf course, etc. That clock does not start on your last cigarette but on the last time you wore a patch or chewed nicotine gum. Do they get tested for nicotine/cotinine more frequently during the application process or thereafter ? Since denial of a claim for misrepresentation of tobacco consumption is a serious matter, one should not view “once cigar per month” as the same or even similar to “12 cigars per year”. The stuff that comes out of your car’s tailpipe is deadly, but no one has banned automobiles yet. Example Chew can be Std+ with Cincinnati Life, as long as disclosed, but will be Tobacco with Protective. I wrote a client who used dipping tobacco with Prudential on a 20 year term policy and he was rated standard non-smoker. Chris I agree and Al also try AXA Equitable has great rates and allows up to 12 cigars per year. There’s an Etiquette to Cigar Smoking. In a phrase, it is not possible under any circumstance to test positive from secondhand smoke. But to be fair, Cohiba is surely among the elite. Regular cigar smoking is associated with an increased risk for cancers of the lung, esophagus, larynx (voice box), and oral cavity (lip, tongue, mouth, throat). Cigar smoking has been linked to several different cancers, most notably those of the oral cavity, which include lip, tongue, mouth, throat, and larynx. Here are just a few of the harmful health effects of smoking pipes and cigars: He Loved his cigars! Even if you come across to guide him we will do it. Whether a person smokes cigarettes, chews tobacco, dips tobacco, chews nicotine gum and wears a nicotine patch, they are all considered for tobacco 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. 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. Thanks! With e-Cigs they are NOT tobacco products, they are nicotine products. Tim – When you smoke cigarettes, you are also inhaling additives and paper, not pure tobacco. 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. Tim Wilhoit is owner/principal of Your Friend 4 Life Insurance Agency in Nashville, TN. When I called him he said he chewed nicotine gum whenever he got stressed out which apparently was about everyday. Pru over AXA all day long in my opinion. Regular cigar smokers are 4 to 10 times more likely to die from cancers of the mouth, throat, larynx, and esophagus than non-smokers. Let me know if you find someone that will treat it differently. The guy that drinks 3 mountain dews a day is a bigger sinner than an occasional cigar. Sort by. I should, however, refer to the sentence in the article: “They cannot smoke more than 12 cigars per year or one per month ”. Constant exposure to cigar smoke can damage the blood vessels and the heart. 4; Since 2001, the U.S. Federal Trade Commission has required all cigar packages and advertisements to include warnings about the significant health risks associated with cigar use. He pulls hard on his cigar, lets out a huge cloud of smoke and tells her, “Looks like I made the right decision then.”. However, I was not speaking of a particular life insurance company when I wrote this. Smoking any type of tobacco product, including a cigar, will increase your risks of chronic obstructive pulmonary disease, emphysema, and chronic bronchitis. Stephen, this is true, but only if you like higher premiums. Risks among occasional cigar smokers are difficult to measure because of variability in patterns of use and in product characteristics. 1 decade ago. See Shipping Policy for further information. What are reasons that prevent smokers from switching to e-cigarettes? But three a week, that’s a bit much, I would say that’s like someone smoking a pack a week, and is cause for concern. A single large cigar can contain more than a 1/2 ounce of tobacco -- as much tobacco as an entire pack of cigarettes. Next business day delivery to Brisbane, Sydney, Melbourne, Perth CBD, Adelaide, Canberra & Hobart. When tested – he DID smoke. Sure there is a risk, but nearly everything enjoyable carries risk. Question. I’m at the age now where just putting my cigar in its holder is a thrill. 1 / 2 2 / 2 Previous. Like you said, you don’t inhale, and you aren’t chuffing on a cigar 24/7. Even the government is trying tax them. 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. In some teens, all it takes is 1 cigarette a month to show signs of addiction. United States About Youtuber Smoking a cigar is one of the finest pleasures in life as well as one of my biggest hobbies! Although there is actually a wide range in how often cigar smokers smoke, the data that linked cigar smoking to lung cancer were limited to men who smoked 3 or more cigars a day. XHTML: You can use these tags:
. Electronic or e-cigarettes (vaping devices) Using electronic or e-cigarettes is often called vaping or JUULing. Here are the top three. However, cotine stays in the blood for up to 14 days. 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. Regular cigar smoking increases the risk of several types of cancers, including cancers of the mouth, throat, esophagus and larynx. Premiums, of course, vary by the insured’s age, sex, and health history and status. Add to Cart. I second Steve, Pru will give them Std non +, Assuming qualified. All tobacco smoke contains chemicals that can cause cancer, and cigar smoke is no exception. However I have been a Life Insurance agent for a few years. save. Where are all those who cry out about the passive smoke hazard factor, cigars must be as bad for the bystanders as cigarettes. Additionally, smoking is also a huge risk factor for peripheral … Cigar smoking can cause lung cancer and heart disease. Interesting and informative discussion. Also for the most part this in not up to the underwriter, they have manuals they underwrite by. How do Life Insurance Companies Classify Cigar Smokers? best. Unfortunately, smoking is responsible for eighty percent of all cases. 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. Or anyone that swallowed it right from the bottle. Close • Posted by 28 minutes ago. There in lies the problem. 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]. Nicotine dependence for cigar users, including withdrawal symptoms for both regular and occasional cigar users. 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. Requestor comment 2e): “Moreover, Monograph 9 recognizes that these health effects are not experienced by the occasional cigar smoker (1-2 cigars per day). The sentence of concern was a generic “or” not a literal one. Thank you, scary stuff! According to some fundamentalist Christian CULTS, anything enjoyable is a sin. 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. Smoking of any sort is NOT a moral issue, it is a health issue. Thanks again for sharing your thoughts, I do appreciate it. 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. 5 comments. Yes jake, since it can cause lip cancer, tongue cancer, lung cancer, and other facial cancers. I started 4 years ago. Do you have any client from India who want to do Life Insurance only in India You can Recomend for his well being . Secondhand smoke -- the smoke you exhale, combined with that from the lighted end of your cigarette -- is toxic for people around you. In this particular guide, you will discover the ultimate list of the Best Cigars For The Morning: However, cotine stays in the blood for up to 14 days. I am sure the companies that rate favorably know their actuarial tables. Lung and heart disease. By all means, reach out to me if you have clients who want to quit, whether to attain preferred rating or just because they want to get healthy. 3 cigars a week is NOT the occasional cigar. She tells him that second hand smoke has been found to be even more dangerous than first hand smoke. Share this article via email. Here’s what you should know about smoking (even in small amounts): On average, every cigarette you smoke shortens your life by 11 minutes. On the flipside, every e-cig user I know, and I know over 100, nearly all of them still cheat and smoke cigarettes on occasion. The insurance … Same exam requirements weather they are applying for tobacco, non tobacco or preferred non. 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. 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. He did not buy the policy. Then again e-Cigs are taking away precious government tax revenue from cigarettes. This is a minefield, particularly if the wording is “one cigar per month” or the more liberal, “12 cigars per year”. Next. I started smoking cigarettes at about age 11. 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. The other issue that will come up is that someone will say they tested positive from “secondhand smoke”….In a phrase, it is not possible under any circumstance to test positive from secondhand smoke. It goes without saying that 52 cigars a year will carry more risk that 5.2 cigars a year. Occasional Cigar Smoking addiction ? 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? From people I know that use e-cigs, apparently there are a multitude of choices for the “vapor” fluid. His wife, exposed to this for 66 years, died at 96 after an arm injury. Since the available data apply only to people who smoke at least one cigar a day, “the health risks of occasional cigar smokers . 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. Remember Life Insurance companies are not in the business of declining or providing high rates, its about risk of mortality and their promise of sustainability to the clients they have approved. 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. That sort of cigar smoker is quite unusual, however. 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