Life Insurance for Smokers
If you smoke or use tobacco products, you can still get life insurance. While rates are higher than non-smoker rates, there are carriers who specialize in competitive smoker policies.
Life Insurance Options for Smokers
Many smokers assume they can't get life insurance or that it's too expensive. While tobacco use does increase premiums, there are carriers who offer competitive rates. Some will even reclassify you as a non-smoker after 12 months of being tobacco-free, potentially cutting your premiums in half.
We work with carriers known for offering the best rates to tobacco users.
Quit smoking and many carriers will reduce your rates after 12 months.
Skip the health exam entirely with simplified issue or guaranteed acceptance policies.
Term, whole life, and guaranteed issue options are all available.
Who is this best for?
- Current smokers or tobacco users seeking coverage
- Former smokers who quit within the last 1–5 years
- Cigar, pipe, or chewing tobacco users
- Vape or e-cigarette users (classified as smokers by most carriers)
Did you know?
If you quit smoking, most insurance companies will reclassify you as a non-smoker after just 12 months — potentially saving you 50% or more on premiums.