Life Online Smoker Term Insurance


How Can You Get Affordable Smoker Term Life Insurance Online?

If you smoke or use tobacco products it’s important to shop and compare quotes for term life insurance before you buy a policy.

Rates for tobacco-users can vary by up to 50% or more between life insurance companies. That means you could save hundreds of dollars per year on your life insurance plan by comparing rates among leading insurers.

Did you know that medical research has found that smoking shortens the life span of men by 14.5 years and of women by 13.2 years? Yes, cigarettes can shorten your life.

The rate for smoker’s life insurance is higher than non-smokers, sometimes by as much as $100 per month, or more, depending on how often you smoke.

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How Can You Save Money When Comparing Smoker Life Insurance Plans?


  • Consider term life insurance which may cost you 2-3 times less than permanent life insurance.

  • Buy life insurance while you are young and healthy, rates increase with age.

  • Quit smoking to get a non-smoker rate for your life insurance policy. Insurers may adjust your rate to non-smoker once you have quit for 1-2 years.

  • Compare life insurance quotes from several insurance companies because rates vary by insurer.


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 life insurance rates for savings up to 73%. Get Your FREE Quote.



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