Getting Life Insurance for Smokers

Nearly 38 million American adults smoke cigarettes on a regular basis, so naturally many people will be curious if finding life insurance for smokers will be more difficult or more expensive. Companies need to assess your health before they issue you a policy, and obviously smoking cigarettes often brings many bad side effects. They will usually rate your determining health factors on a scale to determine what you qualify for, and smoking certainly is a mark against you in that regard. However, that doesn't mean that getting life insurance coverage is impossible just because you smoke. Similar to finding life insurance with pre-existing medical conditions, it doesn't automatically disqualify you from coverage, it will just not be as favorable for your policy.

How Do Companies Test for Smoking?

For most life insurance policies, you will be obligated to answer several questions about your health condition, which will almost certainly involve asking if you use tobacco products, and if so, how often. You might be tempted to just tell a fib here to try and get a better policy, but it is not a smart move. If you get caught in a lie, the policy giver has grounds to cancel your coverage if they see fit. Plus, many companies will require you to also take a medical exam as part of the underwriting process, which usually involves different types of drug testing, including for nicotine. It is not just smoking cigarettes that they consider tobacco either, here are some examples of other products most companies lump together with smoking:

Products Life Insurance Companies Consider As Nicotine

  • Cigarettes
  • Cigars
  • Chew
  • Snuff
  • Vape

Should You Quit Smoking Before Getting a Policy?

With all the negative affects of smoking, including how it affects your life insurance, you may be considering quitting. How long do you have to quit nicotine before your policies are no longer affected? Even though the presence of nicotine itself is no longer detectable in the average human body after about three weeks after quitting, many companies will ask if you have used nicotine products in the last year or two. If you can quit smoking for two years, then by all means, please do! Just keep in mind that it's not a short term solution to getting better prices on life insurance.

The Way to Get Better Premium Prices

There is one thing you can do as a smoker to get lower premium prices right away, and that's by talking to an insurance broker who can not only help guide you through the ins and outs of different policies, but also compare different companies to each other as well. They will help you assess your situation and determine how much life insurance coverage you need, as well as help you find the best price on that ideal type and length of coverage. See how easy it is to get started today by filling out our simple online form and we can connect you to the best broker for your situation.

Basic Life Insurance Tiers Example

Tier Description
Preferred Plus Best health rating, most affordable premium prices, cannot have pre existing conditions
Preferred Excellent health, allowed to have a certain amount of small health problems
Regular Plus Great health, allowed to have a certain amount more of small health problems
Regular Good health, largest amount of health conditions allowed, highest premiums