While tobacco usage certainly impacts insurability and insurance premiums, it isn’t impossible for those who use tobacco to get life insurance.  Several factors impact what type of policy you’ll qualify for and how much it will cost. Life insurance for smokers does tend to cost more than policies that cover non-smokers, but term life insurance can still be found at affordable rates.

The type of tobacco you use, and how frequently you do so, can have an impact on your For example, some companies make preferred rates available for life insurance for cigar smokers who smoke in moderation (typically no more than one a month). The same is true for those who use smokeless tobacco moderately. If your tobacco usage fits one of these categories, be sure to ask your insurance agent about what types of special life insurance for tobacco users programs might be available to you.rate.

If you quit smoking at least a year ago, some companies will classify you as a non-smoker but probably won’t give you Preferred rates (provided that you would otherwise qualify)..  If you quit 2-3 years ago, some companies will allow Preferred rates (provided that you would otherwise qualify).

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