YES, smokers pay more for life insurance. They can pay as much as 3-4 times more than a non-smoker.
One of the high-risk factors life 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 much higher.
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 quote.
Life Insurance Quote For Smoker!
Comparison of monthly premiums for a 20 year term policy for a non-smoker male vs. a smoker male in preferred health:
| Non-smoker's Age | $100,000 | $200,000 | $500,000 | $1,000,000 |
| 40 year old non-smoker | $13.40 | $21.63 | $31.06 | $55.13 |
| 41 year old non-smoker | $15.45 | $23.35 | $35.66 | $62.13 |
| 42 year old non-smoker | $15.30 | $25.46 | $39.48 | $71.85 |
| 43 year old non-smoker | $16.53 | $27.66 | $45.53 | $81.48 |
| 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 | $22.33 | $38.33 | $72.19 | $138.59 |
| 47 year old non-smoker | $23.98 | $41.39 | $77.88 | $150.06 |
| 48 year old non-smoker | $25.46 | $45.91 | $85.34 | $163.19 |
| 49 year old non-smoker | $27.21 | $48.84 | $91.34 | $177.19 |
| 50 year old non-smoker | $29.23 | $52.86 | $99.85 | $193.81 |
| 51 year old non-smoker | $31.31 | $57.14 | $108.60 | $211.41 |
| 52 year old non-smoker | $33.88 | $61.86 | $119.00 | $232.41 |
| 53 year old non-smoker | $36.68 | $67.46 | $130.48 | $255.06 |
| 54 year old non-smoker | $39.54 | $73.69 | $143.60 | $282.19 |
| 55 year old non-smoker | $43.14 | $80.69 | $157.06 | $309.85 |
(Example non-smoker Life insurance rates as off 09/01/2023 - your rates may be different)
CLICK HERE for a Non Smoker Life Insurance Quote!
Smoking cigarretes is, probably, the single most important cause of high life insurance premiums.
| Smoker's Age | $100,000 | $200,000 | $500,000 | $1,000,000 |
| 40 year old smoker | $31.07 | $53.43 | $118.98 | $231.46 |
| 41 year old smoker | $32.88 | $56.80 | $128.16 | $247.25 |
| 42 year old smoker | $35.87 | $60.31 | $137.04 | $265.87 |
| 43 year old smoker | $37.02 | $65.65 | $147.14 | $285.89 |
| 44 year old smoker | $39.51 | $69.37 | $159.05 | $308.45 |
| 45 year old smoker | $42.65 | $75.08 | $172.59 | $335.46 |
| 46 year old smoker | $45.67 | $80.95 | $187.10 | $365.01 |
| 47 year old smoker | $48.85 | $87.25 | $202.46 | $395.38 |
| 48 year old smoker | $52.40 | $93.98 | $219.03 | $427.34 |
| 49 year old smoker | $56.10 | $101.42 | $236.98 | $463.09 |
| 50 year old smoker | $60.24 | $109.33 | $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 | $605.35 |
| 53 year old smoker | $77.57 | $143.50 | $341.30 | $671.07 |
| 54 year old smoker | $85.80 | $159.30 | $380.60 | $749.00 |
| 55 year old smoker | $95.31 | $176.67 | $423.04 | $833.83 |
(Example smoker life insurance rates as off 09/01/2023 - your rates may be different)
CLICK HERE for a Smoker Life Insurance Quote!