Is it possible for a smoker to get life insurance protection?

Yes, in fact, depending on how often you smoke, you may be able to qualify for good rates on your life insurance policy.

There are a few insurance carriers that are more lenient when it comes to classification of a smoker for life insurance and may offer better pricing based specifically on your actual frequency of smoking.

In addition, there is life insurance available for people who smoke cigarettes, e-cigs, pipes, cigars, marijuana...
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Yes, life insurance companies will know if you smoke.

If you purchase a life insurance policy they ask you on the application form about any tobacco use. If you answer "yes", you do smoke, they will know. Also, some insurers require you to take a blood test and medical exam which will determine if you smoke.

However, there are life insurance companies that offer life insurance without any medical exams or blood testing.

But make sure you do not lie on the application for life insurance because ...
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