5 Best Life Insurance Companies For Cigar Smokers

Best Life Insurance Companies For Cigar Smokers are a number of life insurance companies that provide special policy services for smokers. Smoker-specific life insurance is an insurance policy designed to meet the insurance needs of both male and female smokers.

As a habit that has a bad impact on health, the habit of smoking makes the perpetrators look for personal and family protection in the form of insurance. This is to protect themselves and their families from the negative effects of smoking.

Best Life Insurance Companies For Cigar Smokers

Here are the 5 best life insurance companies that provide special policies for smokers, namely:

1. John Hancock Life Insurance

With life insurance from this company, you will be able to request a lower premium in the second year of your policy if you want to quit. The company will also reward you as you strive to live a healthy life.

Even though the customer satisfaction score is above average, there are still several customer complaints on some of its services.

The less satisfactory side of this company is the absence of an online quotation service. In addition, the existence of additional costs with limited options in the policy is a common complaint of its customers.

2. Transamerica

One of the advantages of this company is the existence of a living allowance that you will get on several policies. In addition, the company has the best prices on its term policies for smokers. You will also get additional benefits such as final cost coverage.

With a transmerica insurance policy, you will get coverage of up to $2 million without any medical tests.

Although it is quite classy, Transamerica has a customer satisfaction score that is classified as bad in the JD Power version. This is evidenced by the large number of customer complaints from normal standards.

3. Ethos Life Insurance

If you don’t have any health problems that can affect the price of the policy, then you will get a very affordable policy price. The company provides up to $2 million in coverage funds to its eligible customers.

Ethos Life Insurance even provides an online application that is easy for you to use to consider various provisions in the policy.

The unsatisfactory side of this company’s insurance is the lack of adjustment options for customers on its policies. The company also does not provide term insurance changes to whole life. In term insurance, there is a maximum age limit of 65 years.

4. Mutual of Omaha

Mutual of Omaha guarantees its customers to receive lifetime coverage regardless of the health side. This company received the title of A+ (superior) in terms of financial strength from AM Best.

Not only that, but the predicate of customer satisfaction with excellent value also belongs to this company from JD Power. Mutual of Omaha also provides online Offers and applications for the convenience of its customers. Customers will also get three living allowances in this insurance.

The less attractive side of this insurance is in its two-year multi-year death benefit for guaranteed policies. Another complaint is the absence of online application services on term policies.

5. MassMutual

MassMutual distinguishes cigar smokers from regular smokers in its policy. The company achieved the title of the highest financial strength in the insurance industry. Another proof of his achievement is that there are very few complaints from customers for insurance services from such a large company.

Another advantage lies in its coverage without the need for medical examinations with a value of up to $3 million.

However, the unsatisfactory side of this insurance lies in the very few additional benefits to the policy compared to other companies. In addition, the rule of not accepting payment methods with credit cards is a disadvantage of this insurance.

Conclusion

You can find Best Life Insurance Companies For Cigar Smokers by looking at and comparing the five companies above. Insurance is indeed very important for smokers to protect themselves and their families from the negative impact of this habit.