How Cigarette Use Affects My Quote

If you are a smoker, finding lower life insurance premiums can be very difficult. Smokers generally pay higher rates than non-smokers to account for the increased risk of cancer, heart disease, and cardiovascular disease.

However, finding affordable life insurance for smokers is possible!!

While some life insurance companies have very competitive non-smoker policies, there are a few that specialize in competitive policies for smokers. An occasional smoker can sometimes obtain non-smoker rates based on other health considerations. Our life insurance specialists will work with you to find the life insurance company with the most competitive rates to fit your situation.

How Do I Answer the "Tobacco Use" Questions?

Tobacco use can usually be accurately determined through an insurance exam, which includes a urine specimen. Although cigarette smokers generally pay higher rates than non-smokers, occasional smokers can sometimes obtain "non-smoker" rates. Other tobacco or nicotine users are also sometimes looked at more favorably than heavy or moderate cigarette smokers.

Life insurance companies consider pipe, cigar, chewing tobacco, dip, snuff, nicotine patches and nicotine gum as "other tobacco". Please answer the tobacco use questions as accurately as possible. Our life insurance specialists will work with you to find the life insurance company with the most competitive rates for your situation.