Can Smokers Get Life Insurance?


Can Smokers Get Affordable Life Insurance Coverage?

Yes, if you are a smoker, you may qualify for an affordable life insurance policy to protect the ones you love. 

Did you know, whether you smoke cigarettes, cigars, pipes, e-cigarettes, medicinal marijuana, or marijuana, or chew tobacco, you may qualify for life insurance at an affordable price?

That’s right, depending on how often you use tobacco, you may be able to get life insurance coverage at a more affordable price than you might expect.

 

Which insurance companies offer the most affordable plans for smoker life insurance?

There are three life insurance companies that are more lenient than others when it comes to pricing on life insurance for people who use tobacco related products.

 

Top Smoker Life Insurance Companies

 

Prudential

The best life insurance company for smokers is Prudential or Pruco Life.

Prudential Life Insurance will offer a non-tobacco "standard plus" rate class to qualifying individuals who use an unlimited amount of chewing tobacco, snuff, e-cigarettes, cigars, and nicotine gum.

The only caveat is that you must tell the nurse that you use tobacco and the type of tobacco you use. This rate is not available to cigarette smokers.

For occasional cigar smokers, Prudential Life will offer their top rate class, "preferred best" as long as the applicant tests negative for nicotine during the exam.

Prudential is also the most lenient with marijuana. They will offer a "standard plus" rate to people who smoke marijuana up to twice a week recreationally.

If you smoke marijuana for a medical condition, Prudential will underwrite for your medical condition, not the marijuana.

As an example, someone with a marijuana prescription for insomnia may qualify for "preferred best" rates for their life insurance policy.

 

Lincoln National 

Lincoln National will offer a "standard" non-tobacco rate class to tobacco users who do not smoke cigarettes or e-cigarettes. The applicant can test positive for nicotine, as long as they tell the examiner that they use tobacco but not cigarettes.

Lincoln National will also overlook an occasional cigar and offer "preferred best" rates on life insurance as long as the applicant tests negative for nicotine during the exam.


Minnesota Life

Minnesota Life will not offer non-tobacco rates to tobacco users that test positive during their exam, but they are the only life insurance company that treats an occasional cigarette the same as an occasional cigar.

Minnesota Life will allow their applicants to qualify for any non-tobacco rate class as long as they smoke no more than 1-2 cigarettes per month and test negative for nicotine during their health exam.

  

How Do I Compare the Best Smoker Life Insurance Rates? 

You can visit JRC Insurance Group to request your free, instant life insurance quote comparisons online now. 

It only takes a minute to fill out a short quote request form and instantly receive the best prices from 40 of the top life insurance carriers in America. 

JRC Insurance helps you compare the best prices from best life insurance carriers including Prudential, Lincoln National and Minnesota Life, among others.


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best smoker life insurance rates from top carriers including Prudential, Lincoln National and Minnesota Life for savings up to 73%. Get Your FREE Quote.


Are There Smoking and Nicotine Tests Required for Life Insurance?

When you apply for life insurance you may be required to take a paramed exam which checks your blood pressure, heart rate/pulse, and they will draw a blood sample for testing which will check for nicotine and THC in your system.

 

Is There No Exam Life Insurance for Smokers?

Yes, there are life insurance plans for smokers that do not require a medical examination. However, you must always answer all questions truthfully on your application for life insurance, including if you do or do not smoke, and if you have smoked in the recent past, and how much you smoke, and how often you smoke,

Smoker's life insurance no health examination coverage is available through Haven Life.


Highly Recommended – Haven Life

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best

Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

  

Is there Guaranteed Acceptance Life Insurance for Smokers?

Yes, United of Omaha offers up to $25,000 of guaranteed acceptance life insurance with no exams and no health questions, for people ages 45 up to 85. 


Highly Recommended – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

  

What If I Quit Smoking?

If you quit smoking you may qualify for non-smoker rates on your new life insurance policy. The insurer may require you to be smoke-free for at least 6 months to 1 year.

If you already own life insurance, you may request a re-rate of your life insurance policy if you have quit smoking. The insurance company may give you a nicotine test and have you answer some questions as to when you quit smoking and how long you have been smoke-free.

If you quit smoking for at least 6 months to 1 year, and the nicotine testing results show you are a non-smoker, the insurer may lower your rate for life insurance, which may save you hundreds of dollars per year on your coverage.

 

How Do Life Insurance Rates Compare for Smokers vs. Non-Smokers?

Smoking can lead to many long-term health problems, including emphysema, COPD and lung cancer, among others. Smoking can shorten your life expectancy which means you have a greater risk of dying at a younger age than someone who is a non-smoker.

Due to these issues, smokers usually pay up to 2-3 times more for the same type and amount of life insurance compared to what non-smokers pay for their life insurance coverage.

  

Smoker Life Insurance Quotes


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best smoker life insurance rates from top carriers including Prudential, Lincoln National and Minnesota Life for savings up to 73%. Get Your FREE Quote



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