Cigarette Smokers Life Insurance

By Michael Horbal – updated on – 09/21/2022

Smokers Life Insurance – How Underwriting Works

If you smoke cigarettes, it is important for you to understand how life insurance companies underwrite you.

Our tobacco and nicotine underwriting expertise will help you navigate life insurance underwriting in order to obtain your best rate.

Each company has its own set of underwriting guidelines when it comes to life insurance for smokers.

Generally speaking, if you smoke up to 1 pack of cigarettes per day, the best smoker rates are available to you.  

If you smoke more than 1 pack per day, some companies will give you their standard smoker rates, but not their preferred smoker rates.

Non-smoker rates for cigarette smokers

It’s true.  There is a company available that will offer non-smoker rates to occasional cigarette smokers!

It is important to note that qualifying for a non-smoker term life insurance rate as an occasional cigarette smoker is not easy.  

In fact, most people do not qualify for it, but if you are truly the occasional cigarette smoker it is worth a try.

If you have a high-risk medical condition, this program will not work for you.

Typically, an occasional cigarette smoker will be someone who smokes 5 or fewer cigarettes per day and has never been a pack-per-day smoker.

We can talk in detail about this and also contact underwriting upfront based on your information to see if a non-smoker rate would apply.

Life insurance for ex-smokers

Did you quit smoking cigarettes?

All life insurance companies will consider you to be a smoker for the first 12 months from the date you quit smoking.

Some companies consider you to be a smoker for up to 24 months after you quit.

What kind of non-smoker rate is available?

If you quit smoking for at least 12 months, we can get you a non-smoker rate now.

As more time passes it will be possible to obtain better rate classes.

If you quit 12 months ago, some companies will offer you their “preferred” non-smoker rate,

While others will offer their “Standard” non-smoker rate.

If you are looking for a longer-term life insurance policy,

It may pay to lock in a shorter-term now, and when more time passes, come back for a longer-term policy.

We’ll review company guidelines with you, and will show you shorter and longer terms to give you an idea of what to expect for rates.

Sample Ex-Smoker Life Insurance Case

Male – Age 45, Excellent health, quit smoking 12 months ago, looking for $500,000 – 20-year term.

The best non-smoker rate in the country is $625 per year. 

This rate would not be available as the company requires that you be a non-smoker for 5 years in order to qualify for this rate. 

The best rate available would be $755 per year.

Call us to discuss the best rate for you. 

Each company has different guidelines. 

We will share that information with you so that you know which company is best for you.

Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

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