Can Smokers Get Life Insurance?

Yes, people who smoke may qualify for life insurance coverage.

Whether you smoke cigarettes, cigars, pipes, e-cigs, chew tobacco, or smoke marijuana, you may be able to qualify for affordable life insurance plans.

Although there are some insurers that offer more lenient rates on smoker's life insurance, your cost of coverage will generally depend on what you smoke, how often you smoke and how much you smoke.

In addition, your health will impact your rate for coverage, as smokers may have shorter life expectancies since they are susceptible to emphysema, COPD and lung cancer.

Due to the above mentioned risks, regular smokers will likely pay up to 2-3 times more than non-smokers for the same amount and type of life insurance.

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