Finding life insurance for cigar smokers is often hard enough. Add to that the types of life insurance policies that are available. Which type of insurance is best for you can leave you scratching your head. That’s where Cigar Life Guy® can help. By ensuring that you buy only what makes sense for you is what sets us apart. If you don’t need it, don’t want it or can’t afford a particular policy, then why buy it, right? We’re here to guide you on which types of life insurance are available. Together, we’ll help you sort through them to get the best policy at the best price and value. It’s not about the money. It’s about ensuring that you and your loved ones are well-protected. So, let’s dive in.
Tip: Do you have an existing policy that you’d like to convert? No problem! Cigar Life Guy® can help you with your conversion options even if you got the policy somewhere else.
There are two categories of permanent life insurance: universal life and whole life. Knowing the difference is important because they are not the same thing. Here’s the breakdown.
Universal life policies are very flexible types of life insurance. At its core, universal life is simple. Every payment gets broken down in two ways.
- To pay the current cost of insurance and administrative costs
- To credit the policy’s cash account
Final Expense Insurance
Death is never easy for those you leave behind. Final expenses are often expensive and challenge many households. That’s especially true if you’re the breadwinner of the family. Final expense insurance provides a way for your loved ones to take care of your final costs. It also eases some of the challenges that death brings. So, what is it exactly?
Final expense insurance goes by many names. You might also know it as “Burial Insurance” or “Home Going Insurance,” depending on where in the country you live. These are small whole life policies often written for people aged 50 or older. They take care of your final expenses such as a funeral and small debts. They also have easy applications with simple “Yes” or “No” questions and no medical exam required. Yes, Cigar Life Guy® has a final expense insurance solution that gives daily cigar smokers non-tobacco rates!