High-Risk Solutions
Life Insurance for Smokers & High-Risk Applicants
Yes, your rates are h igher — but affordable coverage does exist. We compare carriers that specialize in high-risk applicants.
Smoker vs Non-Smoker Rates
Monthly cost for $500,000 Term Life Policy
Age
Non-Smoker
Smoker
30
$22/mo
$55/mo
40
$38/mo
$98/mo
50
$72/mo
$195/mo
60
$165/mo
$420mo
How to Get Lower Rates as a Smoker
How to Get Lower Rates as a Smoker
Quit for 12+ Months
Most carriers reclassify you as a non-smoker after 12-24 months tobacco-free, cutting premiums by 50% or more.
Compare Multiple Carriers
Smoker rates vary dramatically — up to 40% difference between companies for the same coverage.
Consider Guaranteed Issue
If health issues prevent traditional approval, guaranteed-issue policies accept everyone regardless of health or smoking status.
Try a Shorter Term
A 10 or 15-year term policy costs less and may cover your needs while you work toward quitting and requalifying.
Get Your Senior Coverage Quote
What Our Clients Say
Join thousands of families who found affordable coverage
“I was paying $89/month. After comparing quotes here, I found the same coverage for $42/month. The process took less than 5 minutes.”
Sarah M.
Austin, TX
“As a father of three, I needed to make sure my family was protected. The quiz helped me understand exactly how much coverage I needed.”
James R.
Chicago, IL
“I’d been putting off getting life insurance for years. This made it so easy — no medical exam required for my policy!”
Linda K.
Phoenix, AZ
Smoker & High-Risk FAQ
Yes, significantly. Smokers typically pay 2-3x more than non-smokers for the same coverage. Tobacco use is one of the biggest pricing factors.
Most insurers classify vaping/e-cigarettes as tobacco use, resulting in smoker rates. A few carriers offer preferred rates for vapers — we can help you find them.
After 12-24 months tobacco-free (depending on the carrier), you can apply for non-smoker rates. Some policies allow mid-term reclassification.
Yes. Guaranteed-issue and simplified-issue policies don’t require health questions or exams, making coverage accessible regardless of health or tobacco status.
It depends on the carrier. Some treat occasional marijuana use separately from tobacco, while others classify it the same way. We compare carriers to find you the best rate.
