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Best Life Insurance For Smokers 2023
If you are a smoker, you will pay at least 2x as much for life insurance as a nonsmoker would. Below, you can find your costs, how companies check for tobacco use, and how you can get non-tobacco rates if you quit.

- updated last on April 2 , 2023
Affordable life insurance for smokers
Smokers are curious to know more about this information as it can affect the amount of premium that they need to pay. If you try to smoke a cigar once in your life, it will not label you as a regular smoker in insurers’ eyes. Of course, there are ways for insurers to know if you are telling the truth.
The life insurance provider sets the rules on tobacco products, and the government does not monitor it. It may vary according to the insurer and type of product with the tobacco you are using.
There are three ways an insurer can find out if you are regularly using tobacco.
- The insurer can ask you directly through a health declaration form, and you need to disclose the information about your bad habits. It is good not to lie and tell the truth because misleading information can terminate your life insurance anytime the insurer finds the truth.
- An insurance provider typically asks for a medical examination as part of the process, and this will reveal if you are regularly using tobacco or not.
- They can look at your medical history and other related records like the MIB to know if the truth, especially for nonmedical life insurance.
Insurers are looking for nicotine in any form, so the best way to qualify is to avoid consuming any product with nicotine. In case you are tagged as a smoker during your first application, but you choose to quit, then your provider can re-adjust your monthly premium according to your current lifestyle and health condition.
Life insurance for smokers over 40
Life insurance for smokers over 50
Life insurance for smokers over 60
How much more is life insurance for smokers? If you’re currently a smoker but are looking to quit, you likely won’t qualify for the best life insurance rates for at least 12 to 24 months after you’ve stopped using tobacco. In this case, the most affordable option may be to purchase a cheaper policy with a short term, then buy a longer-term policy once you’ve quit for long enough to qualify for nonsmoker rates. Alternatively, you could purchase your intended policy then ask for a health class reconsideration—but you should check with your life insurance company as to whether this is an option.
Cheapest life insurance for smokers
Life insurance premiums largely depend on your health, habits, and lifestyle choices, so it makes sense that smokers pay much higher rates for life insurance than non-smokers do. Despite the high price tag, life insurance can be beneficial. If you were to pass away unexpectedly, life insurance would financially support your family left without your income.
Best term life insurance for smokers
Getting the best term life insurance rates for smokers can be tough. If you plan to stop smoking now or recently quit smoking, a term life policy may be a good option to consider. By the time your policy matures, it could be years since your last cigarette. If you’ve been smoke-free for a prescribed number of years (usually at least 2-5 years), you can apply for a level term life insurance policy and likely get a much better premium for your term choice than you would if you were still a smoker.
Whole life insurance for smokers
A whole life insurance policy is designed to last your entire life. While whole life premiums will generally be higher than rates for a term life policy, smokers are especially true. That said, your premium will stay the same for as long as the policy is in force.
Whole life policies also accrue cash value over time, allowing you to borrow against them or withdraw the accumulated value.
Compare and buy life insurance
No exam life insurance for smokers
Looking for no-exam life insurance for smokers? How much more expensive is life insurance for smokers? Typically more than double those of non-smokers. Currently, there’s one life insurance company offering no medical exam life insurance for people who smoke and rates smokers the same as non-smokers. Shop around and find the best rates and policies to suit your circumstances.
Smokers
life insurance rates
Best life insurance companies for smokers
When finding the best life insurance companies , it’s essential to do your research. Some companies may offer more affordable premiums for smokers than others. Some companies may also have more lenient underwriting guidelines for smokers, allowing you to qualify for coverage even if you have a history of smoking-related health issues. Some of the top life insurance companies for smokers include Prudential, AIG, and Mutual of Omaha. Be sure to compare quotes from multiple companies to find the best policy for your needs and budget.
Best life insurance rates for smokers
Finding affordable life insurance as a smoker can be challenging, but it’s not impossible. Some of the best life insurance smokers rates can be found with companies like Prudential, AIG, and Mutual of Omaha. These companies may offer more lenient underwriting guidelines for smokers, allowing you to qualify for coverage even if you have a history of smoking-related health issues. It’s essential to compare quotes from multiple companies to find the best policy for your needs and budget. Additionally, consider quitting smoking or switching to a less harmful alternative to improve your chances of getting affordable coverage.

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Life insurance for pot smokers
Life insurance for pot smokers can be more challenging to obtain than for traditional cigarette smokers. Many insurance companies still consider marijuana use a high-risk behavior and may charge higher premiums or deny coverage altogether. However, some insurance companies are starting to take a more lenient approach to marijuana use, particularly for medical marijuana patients. It’s essential to disclose your marijuana use to potential insurers and shop around for the best rates. Additionally, consider quitting or reducing marijuana use to improve your chances of getting affordable coverage.
Cost of life insurance for smokers
The cost of life insurance for smokers is typically higher than for non-smokers due to the increased health risks associated with smoking. However, there are ways to get affordable coverage as a smoker. Shopping around for quotes from multiple insurance companies is critical, as rates vary widely. Additionally, consider stopping to improve your health and potentially lower your premiums. Some insurers also offer discounts for smokers who participate in smoking cessation programs.
Best life insurance rates for smokers
While life insurance rates for smokers are generally higher than for non-smokers, there are still ways to find affordable coverage. Shopping around for quotes from the cheapest life insurance rates for smokers companies is crucial, as rates vary widely. Additionally, consider improving your health and lowering your premiums. Some insurers also offer discounts for smokers who participate in smoking cessation programs. By taking these steps, you can find the best life insurance smokers rates for and protect your loved ones’ financial future.
How much more does life insurance cost for smokers
On average, smokers expect to pay twice or three times more for life insurance than non-smokers. The exact amount will depend on factors such as age, health, and coverage needed. However, quitting smoking can lead to lower rates over time as the risk of smoking-related health issues decreases.
Cheap term life insurance for smokers
Finding cheap term life insurance for smokers can be challenging, as insurance companies consider smoking a high-risk factor. However, there are some strategies you can use to find affordable coverage, such as shopping around for quotes from multiple insurers, considering a shorter term length, and improving your overall health habits. It’s important to note that quitting smoking can also lead to lower insurance premiums in the long run.
Frequently Ask Questions
Can you get life insurance if you are a smoker?
Yes, you can still get life insurance if you are a smoker, but you may have to pay higher premiums. Insurance companies consider smoking a high-risk behavior that can lead to health problems and a shorter lifespan, so that they may charge smokers more for coverage. However, it is still possible to find affordable life insurance options for smokers by shopping around and comparing quotes from different providers.
Can life insurance be denied for smoking?
Yes, it is possible to be denied life insurance for smoking. Insurance companies consider smoking a high-risk behavior, and smokers are often charged higher premiums or denied coverage altogether. However, some insurance companies may offer a range to smokers at a higher cost.
How much is a million dollar life insurance policy for a smoker?
The cost of a million-dollar life insurance policy for a smoker can vary depending on age, health, and smoking habits. However, on average, a smoker can expect to pay around $200 to $300 monthly for a million-dollar policy. It's important to note that smokers typically pay higher premiums than non-smokers due to the increased health risks associated with smoking.
About Coach B.
After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.
In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.
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