Getting life insurance as a smoker is still absolutely possible, but rates are usually higher because insurers price for increased health risk. The good news is that some companies are more smoker-friendly than others, and the right policy choice can make a big difference. Understanding your options can help you get covered at the best available price.
Can Smokers Get Life Insurance?
Yes, smokers can qualify for life insurance, including term and permanent coverage. Most insurance companies offer policies for smokers, but premiums are typically higher compared to non-smokers because tobacco use affects underwriting risk.
Even if you smoke cigarettes, vape, or use nicotine products, you may still have multiple options depending on your age, health history, and how much coverage you need. Comparing carriers is often the best way to find the most affordable policy for your situation.
What Counts as a “Smoker” to Life Insurance Companies?
For underwriting purposes, “smoker” usually means any nicotine use within a recent time window, often the past 12 months, though it varies by insurer. If you’re wondering what counts as smoker life insurance, most companies include more than just cigarettes.
Nicotine use may include:
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Cigarettes
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Cigars
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Vaping / e-cigarettes
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Chewing tobacco
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Nicotine patches or gum (in some cases)
Because definitions vary by company, it’s important to confirm how each carrier classifies tobacco and nicotine use before applying.
How Much More Does Life Insurance Cost for Smokers?
Life insurance rates for smokers are usually higher because insurers factor in increased long-term risk. The cost difference can be significant, especially for term life insurance at higher coverage amounts.
That said, pricing varies widely by carrier. Some companies are more competitive for smokers than others, which is why shopping multiple insurers can make a big impact on affordability.
Best Life Insurance Options for Smokers
| Policy Type | Best For Smokers Who… | Cost Level | Why It Works |
|---|---|---|---|
| Term Life Insurance | Want the most coverage for the lowest cost | Medium | Strong protection, especially for families and mortgages |
| No Medical Exam Term Life | Want faster approval | Medium–High | Convenience, fewer steps |
| Whole Life Insurance | Want permanent coverage + guarantees | High | Lifetime protection, predictable structure |
| Final Expense Insurance | Want smaller coverage for burial/final costs | Medium | Easier approval, popular for older smokers |
| Guaranteed Issue Life Insurance | Have serious health issues or past declines | High | Approval is very likely, but higher cost/graded benefits |
What If You Quit Smoking?
If you quit smoking, you may qualify for better rates over time. Many insurers consider someone “non-smoker” after they’ve been nicotine-free for a certain period (often 12 months, sometimes longer). Requirements vary by company.
If you’ve quit, you may be able to:
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Apply as a non-smoker after the qualifying period
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Request a rate review later (depending on the insurer and policy)
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Lock in coverage now and improve pricing in the future
Protect Against the Unexpected
Tips to Get the Best Life Insurance Rates as a Smoker
Even if you use nicotine, you may still be able to find the cheapest life insurance for smokers by choosing the right policy structure and comparing the right companies.
Ways to improve your outcome:
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Compare multiple carriers (smoker pricing varies widely by insurer)
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Choose the right term length based on real obligations instead of overbuying coverage
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Consider laddering coverage to keep premiums manageable as needs decrease over time
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Be honest about nicotine use to prevent delays and avoid claim issues later
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Work with an independent advisor who understands underwriting and can shop options for you
A small strategy change can make a noticeable difference in pricing, especially when you’re comparing multiple insurers.
If you’re looking for the best life insurance for smokers, the company you choose matters just as much as the policy type. You can get a quote online or call us at (800) 442-9899 to speak with a licensed advisor and compare smoker-friendly options, quickly and confidentially.
Best Life Insurance for Smokers: FAQs
Can smokers get life insurance?
Yes. Smokers can absolutely qualify for life insurance, including term life and permanent policies. Smoking does increase premiums, but many insurers still offer affordable options depending on your age, health, and tobacco usage history.
Why is life insurance more expensive for smokers?
Smoking increases the risk of health conditions such as heart disease, stroke, lung disease, and cancer. Because smokers are statistically more likely to file a claim earlier, insurers charge higher premiums to reflect the increased risk.
What is the best type of life insurance for smokers?
For many smokers, term life insurance is the best option because it provides high coverage at the lowest cost. Smokers who want lifelong coverage may consider whole life or universal life, but premiums will be higher.
How much more do smokers pay for life insurance?
Smokers often pay 2 to 3 times more than non-smokers for the same coverage amount. The increase depends on:
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Age
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Frequency of use
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Overall health
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Type of tobacco product
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Insurance company guidelines
Shopping multiple insurers can significantly reduce costs.
Do insurance companies test for nicotine?
Yes. Many policies include blood and urine tests that detect nicotine and cotinine (a nicotine byproduct). Even occasional tobacco or vaping use may show up in testing.
Does vaping count as smoking for life insurance?
Often, yes. Many insurers classify vaping and e-cigarette use as tobacco use, which can place you in smoker rates. However, some companies treat vaping differently, this varies by carrier.
Do cigars or chewing tobacco affect life insurance rates?
Yes, but underwriting rules vary. Some insurers may offer better pricing for occasional cigar use, while others treat all tobacco use the same. Chewing tobacco and nicotine pouches are typically rated as tobacco use.
How long do you have to quit smoking to be considered a non-smoker?
Most insurers require you to be nicotine-free for 12 months to qualify for non-smoker rates. Some companies may require 24 months depending on underwriting guidelines.
Can I get non-smoker rates if I quit recently?
Possibly, but it depends on the insurer. If you quit within the last year, many companies will still classify you as a smoker. However, certain policies may offer more favorable categories for recent quitters.
What if I only smoke occasionally?
Many insurers still classify occasional smokers as tobacco users. Even 1–2 cigarettes per month can lead to smoker rates. Some insurers offer “preferred tobacco” categories, but eligibility is limited.
Can smokers qualify for no-medical-exam life insurance?
Yes. Smokers may qualify for no-exam policies, but rates are typically higher. No-exam coverage is a good option if you want quick approval or prefer not to do lab testing.
What is the best way for smokers to get cheaper life insurance?
Smokers can improve pricing by:
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Comparing multiple carriers
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Choosing term life for affordability
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Improving overall health (weight, blood pressure, cholesterol)
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Quitting smoking and reapplying later
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Working with an independent agent to find smoker-friendly underwriting
Can smokers be declined for life insurance?
Smoking alone rarely causes a decline, but it increases risk. Smokers may be declined if combined with:
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Severe medical conditions
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Serious lung or heart disease
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High-risk lifestyle factors
Even if declined, options like simplified issue or guaranteed issue policies may still be available.
Should smokers consider permanent life insurance?
Smokers can purchase permanent coverage, but it may be expensive. Permanent life insurance may make sense if you want lifelong coverage for final expenses, estate planning, or long-term financial goals.
Is life insurance worth it for smokers?
Yes. Life insurance is often even more important for smokers because of increased health risks. Having coverage helps protect your family financially, and getting insured sooner can lock in coverage before health changes occur.
