If you were a non-smoker when you bought the life insurance policy but now occasionally smoke a cigar would this raise your rates?

If you were a non-smoker when you purchased your life insurance policy, and were issued non-smoker rates, your rate for life insurance would remain as it was when you first bought your life insurance policy.

However, if you die, the insurance company would review the cause of death to determine why you died. If you died as a result of smoking, they may review your life insurance application and physical exam results to determine if you lied on the application.

If you die within 2 years of buying your life insurance, and lied on the application about smoking, they may consider it a material misrepresentation, and try to deny the claim. 

However, if you had not smoked before buying the life insurance policy, it shouldn't be a problem.

Here's how you can learn about life insurance for cigar smokers and find out which companies may offer the best rates.