Yes, smokers can get life insurance but will pay 2-3 times more than non-smokers. Some carriers offer better smoker rates than others. If you have quit smoking for 12+ months, many carriers will offer non-smoker rates.
Smoking significantly increases life insurance premiums because it increases mortality risk. However, coverage is absolutely available, and working with the right carrier makes a big difference.
On average, smokers pay 2-3 times more than non-smokers for the same coverage. A $500,000 term policy that costs $30/month for a non-smoker might cost $80-$100/month for a smoker of the same age and health.
An independent agent who works with multiple carriers can find the most competitive smoker rates for your specific situation.
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Life insurance works by paying a monthly or annual premium to an insurance company in exchange for a guaranteed death benefit paid to your beneficiaries when you die. The amount, type, and cost depend on your age, health, and coverage needs. Read more
You can be denied simplified issue final expense insurance if you have serious health conditions like active cancer, recent stroke, or organ failure. However, guaranteed issue policies accept everyone regardless of health — no one can be denied. Read more
Yes, most final expense insurance policies do not require a medical exam. Simplified issue policies require only health questions, while guaranteed issue policies require no health questions at all and accept everyone aged 50-85. Read more
Compare rates from top-rated life insurance carriers.