Life Insurance by Health
What is the best life insurance for smokers?
Smokers pay significantly higher life insurance premiums than non-smokers — typically 2-4x more. If you quit smoking, you can qualify for non-smoker rates after 12 months (some carriers require 24 months). An independent agent can compare rates from multiple carriers to find the best rates for smokers.
Key Points
- Smokers pay 2-4x more than non-smokers
- Quit smoking: qualify for non-smoker rates after 12-24 months
- An independent agent can compare rates from multiple carriers
- No-exam life insurance: available for smokers who want fast approval
- Guaranteed issue: available if declined by other carriers