Smokers Term Life Insurance
Smokers Term Life Insurance Information
Unfortunately, smoker term life insurance rates will always be higher than term life insurance rates for non-smokers, but that doesn't mean that you have to pay exorbitant rates for your smoker term life insurance policy. In fact, with some companies you may even qualify for non-smoker rates.
Also, different companies treat cigar use and smokeless tobacco use differently. Some companies consider you a non smoker if you smoke an occasional cigar.
Use our instant quote system to get a smoker quote, or send us an email to describe your particular situation and we will shop it for you. If you can't avoid getting a smoker rate, then the choices the insurance company will offer will be preferred smoker or standard smoker. There is a big difference between preferred and standard so we would try for the preferred rate. If you fall into the standard smoker category because of weight or another health issue, then we would find the lowest standard smoker rate. Between two companies offering standard smoker there may be a 40% difference!
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