I smoke cigars, can I get a non smoking rate?

Yes. Some companies we work with will completely overlook an occassional cigar. Do you smoke cigars daily? That's okay too. Some companies look at a cigar smoker completely differently than a cigarette smoker and underwrite the risk much more leniently. This is also the case for chewing tobacco and in some cases even electronic cigarettes. Are you paying a smoker's rates and not smoking cigarettes? Give us a call...