best life insurance for smokers
Smokers pay 2-3x more for life insurance than non-smokers. If you quit smoking, most carriers reclassify you as a non-smoker after 12 months. An independent agent can identify the most affordable carr...
best life insurance for smokers
Smokers pay 2-3x more for life insurance than non-smokers. If you quit smoking, most carriers reclassify you as a non-smoker after 12 months. An independent agent can identify the most affordable carriers for smokers.
What You Need to Know
- Smokers pay 2-3x more than non-smokers
- Quit smoking: most carriers reclassify as non-smoker after 12 months
- Some carriers are more lenient with smokers than others
- Guaranteed issue is available for smokers who cannot qualify for standard coverage
- An independent agent can identify the most affordable carriers for smokers
Why Patriot Plans for Smokers?
Patriot Plans is 100% independent — we work for you, not the insurance companies. We've helped 400,000+ families find the right coverage, including thousands of smokers. Our licensed agents understand the unique needs of your situation and can identify the carrier and plan that's right for you.
Ready to Find the Best Coverage for Your Situation?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one that's right for smokers.