The rate for smokers life insurance coverage is about three times that of life insurance for non-smokers.

If you are getting No Exam life insurance insurance, the rates for a smoker and nonsmoker are not as far apart as that, but those rates usually start out higher for non smokers than with an exam.

If there is a health problem which cigarettes compound the seriousness of the disease, the life insurance rates for a smoker can be even higher.

The good news is that if you quit ...