Term Life Insurance for Smokers

Are you shopping for term life insurance for smokers? Do you smoke cigarettes, cigars, or a pipe?

Life insurance for a smoker may cost up to 50% more per year than life insurance for a non-smoker. That adds up quick.

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?

Due to these discoveries, life insurance companies decided to change how they underwrite and rate term life insurance for people who smoke.

The rate for smokers is higher than non-smokers, sometimes by as much as $110 per month, or more. For example, a 10 year term life insurance policy for $100,000 of coverage through one insurance company is $26.22 per month for a smoker and $14.36 per month for a non-smoker. The higher rate is due to the shorter life expectancy.

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These higher life insurance rates may seem unfair to you if you smoke.

But, the fact is, the more you smoke the higher your risk for heart attack, stroke, other health problems and a shorter life expectancy.

Because of the higher risk to pay out on your policy, the life insurance companies charge a higher rate.


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.


Highly Recommended – Globe Life Insurance

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Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.


American Lung Association - Learn about lung cancer and how smoking can lead to health issues.



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