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Life Insurance: Smoker vs. Non-smoker

One of the high-risk factors insurance companies look at, is the use of tobacco products - either smoked or chewed.

Insurers usually do not draw a distinction if you smoke 2 cigarettes a day or 40, if you smoke at all, you are considered a smoker and your rates will be higher.


non-smoker symbolClick Here for Non-Smoker Quote

smoker symbolClick Here for Smoker Quote

 

If you shop around, you may find some companies give a break to occasional cigar smokers. But these are rare.

So, if you are a smoker, be prepared to pay more than a non-smoker, sometimes as much as three times more. But the only way to find out for sure, is to get your own rates.

 

 

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 $15.35 $23.45 $35.56 $62.13
42 year old non-smoker $15.40 $25.36 $39.38 $71.85
43 year old non-smoker $16.63 $27.56 $45.63 $81.38
44 year old non-smoker $17.85 $30.01 $49.88 $92.85
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 $25.36 $45.91 $85.44 $163.19
49 year old non-smoker $27.21 $48.84 $91.44 $177.19
50 year old non-smoker $29.23 $52.86 $99.85 $193.81
51 year old non-smoker $31.41 $57.14 $108.50 $211.31
52 year old non-smoker $33.88 $61.86 $119.00 $232.31
53 year old non-smoker $36.58 $67.36 $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 $309.85
(non-smoker Term life insurance rates as off 10/16/2017 - your rates most likely will vary)

 

Did You Know?

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

 

Smoker Life Insurance Rates:

AGE $100,000 $200,000 $500,000 $1,000,000
age 40 smoker $31.07 $53.33 $118.98 $231.36
age 41 smoker $32.88 $56.80 $128.16 $247.25
age 42 smoker $35.87 $60.41 $137.04 $265.87
age 43 smoker $37.02 $65.55 $147.14 $285.89
age 44 smoker $39.61 $69.47 $159.05 $308.35
age 45 smoker $42.55 $75.08 $172.69 $335.36
age 46 smoker $45.57 $80.95 $187.10 $365.01
age 47 smoker $48.85 $87.25 $202.36 $395.48
age 48 smoker $52.30 $93.98 $219.03 $427.44
age 49 smoker $56.10 $101.32 $236.98 $463.09
age 50 smoker $60.24 $109.43 $257.00 $502.96
age 51 smoker $65.07 $118.84 $280.13 $548.95
age 52 smoker $70.85 $130.14 $308.00 $605.45
age 53 smoker $77.67 $143.60 $341.40 $671.07
age 54 smoker $85.80 $159.40 $380.50 $749.00
age 55 smoker $95.41 $176.57 $423.04 $833.83
(Smoker life insurance rates as off 10/16/2017 - your rates most likely will vary)

 

Click Here for Term Life Insurance Rates!