Life insurance can be confusing to begin with and being classified a ‘smoker’ can triple the cost of coverage. Most cigar smokers really don’t know that if they apply with the right company, they can legitimately get non-tobacco rates, even as a regular cigar smoker.
ATLANTA (PRWEB) July 25, 2019
To address the lack of consumer understanding around life insurance rates for cigar smokers, Dave Arlinghaus, an independent life insurance broker, founded the Cigar Life Guy website. Besides providing quality content about the cigar lifestyle, the website helps cigar smokers navigate the life insurance purchasing process, showing cigar-smoking consumers how to save up to 70 percent.
Most insurance agents do not have a deep understanding of how cigar use impacts life insurance rates. Cigar Life Guy might be the only brokerage in the country focused on supporting cigar smokers and the cigar lifestyle. Cigar smokers who are in the market for life insurance have access to the best possible insurance rates via Cigar Life Guy.
In order to obtain non-tobacco rates for life insurance daily cigar smokers need to follow a few rules. First, cigar use must be disclosed to life insurance providers. Second, life insurance companies won’t accept applicants at non-tobacco rates who also smoke cigarettes. There are no companies that offer non-tobacco rates to cigarette smokers. Third, applicants must qualify for life insurance based on their health and medical conditions. Finally, consumers need to apply with the right life insurance companies.
More than just an insurance agency, Cigar Life Guy is a lifestyle brand celebrating cigar smokers and the social interactions that happen over a good cigar.
Dave Arlinghaus, the founder and president of Cigar Life Guy, says, “Life insurance can be confusing to begin with and being classified a ‘smoker’ can triple the cost of coverage. Most cigar smokers really don’t know that if they apply with the right company, they can legitimately get non-tobacco rates, even as a regular cigar smoker.” He adds, “The life insurance part of Cigar Life Guy is simply a natural extension of what I’ve been doing in conversations over a stick — helping fellow cigar smokers get the life insurance coverage they need at the best possible price they can.”
Cigar Life Guy™
Cigar Life Guy™ is the cigar lifestyle brand owned and operated by cigar aficionado Dave Arlinghaus. Cigar Life Guy’s media properties provide entertainment and education focused primarily on the social cigar smoking experience and the great conversations that occur over a social cigar. Cigar Life Guy™ also builds awareness for the huge savings opportunity regular cigar smokers have when it comes to purchasing life insurance. Through their life insurance brokerage, cigar smokers can now realize those savings.
For more information, please visit https://cigarlifeguy.com/
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Dave Arlinghaus has been an independent life insurance broker since 2010 and is appointed with many top-rated life insurance companies. Within the life insurance space, Arlinghaus has developed an expertise over the years using advanced strategies like Indexed Universal Life Insurance to help clients create tax-free cash flows they can use as part of a retirement strategy. Through his years of experience and relationships with insurance carriers, Dave is particularly skilled at managing cases involving complex health situations.