Life Insurance for Smokers
Tobacco use remains one of the biggest factors affecting life insurance premiums. However, being a smoker does not prevent you from obtaining coverage.
Insurance companies typically classify applicants as either tobacco users or non-tobacco users.
What Counts as Tobacco Use?
Many carriers consider the following tobacco use:
- Cigarettes
- Cigars
- Chewing tobacco
- Vaping products
- Nicotine pouches
- Nicotine replacement products
Why Rates Are Higher
Tobacco use has been associated with:
- Heart disease
- Cancer
- Stroke
- Respiratory illness
Because of these increased risks, smokers often pay higher premiums.
Can Former Smokers Get Better Rates?
Yes.
Many carriers offer non-smoker rates after a qualifying tobacco-free period.
Compare Multiple Carriers
Different companies treat tobacco use differently. Comparing multiple carriers may help identify more competitive options.
Frequently Asked Questions
Can cigar smokers qualify for non-smoker rates?
Some carriers allow occasional cigar use.
Does vaping count as tobacco use?
Many companies treat vaping similarly to tobacco use.
How long must I quit before rates improve?
Requirements vary by carrier.
Get a Free Quote
Insure Instant Quote Services helps compare multiple life insurance options for smokers and former smokers.
