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Life Insurance for Smokers -- Get a Quote
Smoking generally affects your life insurance premium, but coverage is still widely available -- rates and underwriting approach vary meaningfully by carrier.
Is this right for you?
- You currently use tobacco or nicotine products and are shopping for life insurance
- You want to understand how smoker rates compare across different options
- You're a former smoker and want to know when you might qualify for non-smoker rates
Your options
Traditional underwriting with smoker rates -- carriers price this differently, so shopping around matters.
May simplify the process, though smoker status is still typically disclosed and priced accordingly.
Smaller policies with simplified underwriting where smoker status matters less to the overall pricing structure.
Common questions
How much more do smokers pay for life insurance?
It varies significantly by carrier, age, and coverage amount -- this is exactly why comparing multiple options matters more for smokers than non-smokers.
How long do I need to quit before getting non-smoker rates?
Requirements vary by carrier, generally ranging from 12 months to a few years of no tobacco use -- an agent can confirm specific carrier requirements.
Does vaping count as smoking for life insurance purposes?
Often yes, though this varies by carrier's specific definitions -- worth disclosing accurately and asking directly.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.