If you smoke or vape, you might assume life insurance is out of reach or far too expensive. The good news? You can absolutely still qualify for life insurance. You’ll likely pay higher premiums than a non-smoker, but coverage is very much available.
At AccuQuote, we’ve helped families since 1986 compare rates across top-rated carriers, including options specifically designed for smokers and vapers.
How Smoking and Vaping Affect Your Rates
Life insurance companies classify applicants by risk. Tobacco and nicotine use increase health risks, which means insurers typically place smokers and vapers into a “tobacco” rating class.
This usually results in:
- Higher monthly premiums
- More detailed health underwriting
- Possible medical exams
Most carriers consider you a smoker if you’ve used cigarettes, cigars, chewing tobacco, nicotine patches, or vapes/e-cigarettes within the past 12 months. Even occasional use can count.
Be Honest During Underwriting
It may be tempting to leave out tobacco use but don’t. Insurers often test for nicotine during medical exams, and misrepresentation can lead to denial of a claim later. Being upfront ensures your loved ones are protected.
An AccuQuote licensed agent can guide you through what questions to expect and help position your application properly.
Why Compare Rates Matters
Not all life insurance companies treat smokers the same. Some are much more competitive than others. That’s why working with an independent agency like AccuQuote makes a difference. We shop multiple carriers for you saving time and help you find the best life insurance.
Ready to see your options? Get a free, no-obligation quote today at AccuQuote or speak with a licensed agent who can walk you through the process.
