Example Life Insurance Policies

Smoker vs. Non-smoker


Smokers pay higher life insurance premiums as compared to nonsmokers. Here are some examples and comparisons between the two:


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Comparison of monthly premiums for a 20 year term policy
for a non-smoker male vs. a smoker male in preferred health.


NON-SMOKER Life Insurance Rates:

AGE $100,000 $200,000 $500,000 $1,000,000
40 year old non-smoker $13.30 $21.53 $31.06 $55.13
41 year old non-smoker $14.35 $23.45 $34.56 $62.13
42 year old non-smoker $15.40 $25.46 $39.38 $71.75
43 year old non-smoker $16.63 $27.56 $44.63 $81.38
44 year old non-smoker $17.85 $30.01 $49.88 $92.75
45 year old non-smoker $19.17 $35.91 $66.06 $126.88
46 year old non-smoker $22.43 $38.43 $72.19 $138.69
47 year old non-smoker $23.98 $41.49 $77.88 $150.06
48 year old non-smoker $25.46 $44.91 $84.44 $163.19
49 year old non-smoker $27.21 $48.74 $91.44 $177.19
50 year old non-smoker $29.23 $52.76 $99.75 $193.81
51 year old non-smoker $31.41 $57.14 $108.50 $211.31
52 year old non-smoker $33.78 $61.86 $119.00 $232.31
53 year old non-smoker $36.58 $67.46 $130.38 $255.06
54 year old non-smoker $39.64 $73.59 $143.50 $282.19
55 year old non-smoker $43.14 $80.59 $157.06 $309.75

(Nonsmoker Term life insurance rates as off 7/28/07- your rates most likely will vary)

 

SMOKER Life Insurance Rates:

AGE $100,000 $200,000 $500,000 $1,000,000
40 year old smoker $31.07 $53.33 $118.98 $231.46
41 year old smoker $32.88 $56.70 $128.16 $247.25
42 year old smoker $34.87 $60.41 $137.04 $264.77
43 year old smoker $37.02 $64.55 $147.14 $284.79
44 year old smoker $39.61 $69.47 $159.05 $308.35
45 year old smoker $42.55 $75.08 $$172.69 $335.36
46 year old smoker $45.57 $80.95 $187.10 $364.01
47 year old smoker $48.85 $87.25 $202.46 $394.48
48 year old smoker $52.30 $93.98 $219.03 $427.44
49 year old smoker $56.10 $101.32 $236.98 $463.09
50 year old smoker $60.24 $109.43 $257.00 $502.96
51 year old smoker $65.07 $118.84 $280.13 $548.95
52 year old smoker $70.85 $130.14 $308.00 $604.45
53 year old smoker $77.67 $143.60 $341.40 $671.07
54 year old smoker $85.70 $159.40 $380.50 $749.00
55 year old smoker $94.41 $176.57 $423.04 $833.83
(Smoker Term life insurance rates as off 7/28/07- your rates most likely will vary)

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Smoking cigarretes is, probably, the single most important cause of high life insurance premiums.

 

 

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