What does life insurance cost for someone who smokes?

Life insurance for a smoker will cost between 2 to 3 times more than it does for a No-smoker for most medically underwritten life insurance policies.

If you are purchasing a No Exam life insurance plan (especially if a small, permanent, final expense life insurance policy), the rates for smokers may be only slightly higher than for non smokers.

Someone who uses tobacco other than cigarettes, for example, chewing tobacco, daily cigars, or nicotine gum) may pay Standard Non-smoker rates on life insurance with a handful of insurance companies.

For those who smoke cigars weekly or less frequently, Preferred Non-smoker rates are still possible with some life insurance carriers.

Here's how you can compare smokers life insurance rates online from several insurers at once.