Life Insurance Quotes



Smokers Life Insurance

If you are a smoker and you are shopping for insurance, then you probably know that life insurance rates for a smoker are 2 to 3 times more than for non-smokers. Most smokers who shop for life insurance think they have to settle for whatever they can get, but there are many insurance companies that have competitive rates, even for daily nicotine use.

When you apply for life insurance, the annual premium that you pay will depend on several factors.

  • Your nicotine use
  • Other types of tobacco used
  • Frequency of use
  • Your overall health history

Some companies will even give you non-smoker rates if you are a social cigarette smoker, pipe smoker, cigar smoker or if you chew tobacco.

It is best to speak with an experienced agent who works with multiple companies. They will be able to tell you which life insurance companies have the best rates for smokers, and the best rates for you based on your overall health and smoking status.

Get a free no obligation quote today and compare multiple quotes from the nation's highest rated carriers. Remember that all life insurance carriers have different rates, so it pays to compare.