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Ventilation holes (filter ventilation) mix air into the smoke and can make a cigarette feel milder, though actual nicotine delivery may be different than perceived

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Below are some of the top insurers with more lenient cigar-smoking policies: Allows occasional cigar use (one per week) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Offers competitive term and permanent life insurance policies Banner Life (Legal & General America) Permits occasional cigar use (one per month) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Provides low-cost term life insurance options Mutual of Omaha Insurance Company Permits occasional cigar use (two per month) for non-smoker rates Nicotine test must be negative, disclosure of cigar use is required Provides quality term and whole life insurance options Allows occasional cigar use without smoker classification Nicotine test can be positive, disclosure of cigar use is required Offers quality term and whole life insurance options Tips for Getting Affordable Rates If you are a cigar smoker, there are several strategies you can use to secure the best life insurance rates

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