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Finding the Lowest Life Insurance Rates for Cigarette Smokers!

Jack Venturi Cigarette Smokers, Life insurance for smokers Comments Off on Finding the Lowest Life Insurance Rates for Cigarette Smokers!

Cheap Term life insurance rates for smokersIf you are one of the 42 million tobacco users in the United States and you are searching for the lowest term life insurance rates for smokers, this blog post should supply you with some valuable information. We are going to compare smoker’s life insurance rates and find out just how to shop the life insurance market for the lowest life insurance rates for people who smoke cigarettes, cigars and pipes or chew tobacco. We will take this one step at a time so you can see what it takes to get the lowest rates. Many years ago in the past, the subject of purchasing life insurance for smokers was simply cut and dried, but we now have much more involved underwriting procedures that will open the door to lower premiums for smokers.

With some of the life insurance companies we use, the subject of what you actually smoke and how much you smoke are seriously taken into consideration. This concept leads to new and much lower rates for tobacco users. Finding the lowest life insurance rates for cigarette smokers is not difficult when your working with an experienced independent life insurance agent. 

How many people still smoke in the United States and in the years past?

According to the statistics of the government’s Center of Disease Control and Prevention the smoking percentage among adult Americans have sharply dropped throughout the years.

  • 1965 – 42.4% smoked
  • 1970 – 37.4% smoked
  • 1985 – 30.1% smoked
  • 1995 – 24.7% smoked
  • 2010 – 19.3% smoked
  • 2014 – 16.8% smoked

What does this mean to the life insurance industry and Term life insurance rates?

Life insurance rates for smokers have been going down but still cost much more than non-smokers rates. There are several life insurance companies that offer lower rates for smokers than other company. There are now different classifications of smokers based on what kind of tobacco products they use and how much they use.

First of all, let’s take a general look at how life insurance rates for smokers varies from one company to another. We will use annual rates for a 30-year-old male tobacco user with a 20-year Term life insurance plan design and a $500,000 face amount with a rate class of “Standard Tobacco”. This list will show 18 of the most competitive companies.

  • Minnesota Life – $1,070.00
  • Transamerica – $1,080.00
  • American National – $1,110.00
  • AXA Equitable – $1,165.00
  • AIG American General – $1,169.00
  • Banner Life – $1,169.99
  • Nationwide – $1,195.00
  • Assurity – $1,205.00
  • North American – $1,205.00
  • Prudential – $1,265.00
  • Symetra – $1,275.00
  • Metlife – $1,309.00
  • Protective Life – $1,317.00
  • John Hancock – $1,325.50
  • Lincoln National – $1,330.00
  • Sagicor – $1,401.23
  • Accordia Life – $1,445.00
  • Principal Life – $1,555.00

Keep in mind that this list can change if we simply change the rate class, age, face amount or term period. This will still give you a very good idea how the rates vary from one company to another and who would usually have the lowest Term life insurance rates for smokers.

Receiving affordable life insurance rates for smokers should never be a problem!

The Transamerica life insurance company has some of the best Term life insurance rates for smokers. We use Transamerica on a regular basis for cigarette smokers, cigar smokers and pipe smokers. Needless to say, if you have any health conditions, the premiums could go up to cover the added risk the companies take. We usually run a free medical pre-screen to make sure the company we advise our clients to use has no surprises later on in the underwriting process.

Can you receive “Preferred Plus” rates if you are planning to purchase life insurance for smokers?

The answer to this question is very simply, No. Preferred Plus rates are only for non-smokers. As a tobacco user, your best rate class will be “Preferred Tobacco”. Only about 10% of the non-smokers can qualify for Preferred Plus rates otherwise known as “Super Preferred” rates.

Can you receive non-smoker rates if you just chew tobacco and not smoke it?

If you use a smokeless type tobacco product such as Snuff, Plug Tobacco or “Leaf” tobacco, you could qualify for non-smoker rates as long as you don’t actually smoke tobacco. The Prudential life insurance company offers non-smokers rates for users of smokeless tobacco products among a few other companies. The life insurance companies have lightened up on the use of smokeless tobacco. You must still keep in mind that there is always a threat of mouth cancer with the non-smoking family of products.

Cigar smokers can receive non-smoker rates with several of the companies.

In many cases people that smoke cigars do not inhale much of the smoke and usually smoke much less than cigarette smokers. This concept also holds true for pipe smokers also. Cigarette smokers can usually smoke more and more as the years go by as a simple form of habit.

Let’s take a look at the negative effects of cigarette smoking on the human body.

Learning more about the adverse health effects impacted by smoking will help you understand why the life insurance companies charge more for their life insurance for smokers. Check out what smoking actually does to the human body.

Cigarette smoking is the leading preventable cause of death in the United States.

Smoking cigarettes have caused more deaths in the United States than everything on this list combined:

  • Alcohol Use
  • Illegal Drug Usage
  • Motor Vehicle Accident Deaths
  • HIV Virus
  • Firearm Related Accidents

Smoking cigarettes causes more than 480,000 deaths each year in the United States. This is almost one in every five deaths reported each year.

Increased health risks such as heart disease, cancer, and strokes are caused by smoking:

  • The rate for coronary heart disease is multiplied by up to (4 times).
  • Stokes are multiplied from as much as (2 to 4 times)
  • Men and women developing lung cancer up to (25 times). “

Smoking and Cardiovascular Disease.

  • Smoking can cause strokes and coronary heart disease, which is one of the most common causes of death in the United States.
  • Even tobacco users who smoke less than five cigarettes a day can have the beginning signs of cardiovascular disease.
  • Smoking can permanently damage blood vessels and arteries and also make them thicken and grow narrower. This constriction can increase your heart rate and can cause your blood pressure to increase.
  • A stroke occurs when a blood clot blocks the steady flow of blood to your brain or when a blood vessel in or around your brain ruptures.

You may use our free life insurance quoting engine to see who has the lowest life insurance rates for smokers.

Quoting life insurance plans with multiple companies can be done in just several minutes. In past years, you could actually take several hours to review the rates of several life insurance companies. An agent would have to manually look up the rate in a life insurance rate book and then use a calculator to generate the requested face amount. Those days are long gone and now everything is automated by using computer software.

Universal life insurance rates are also effected by the tobacco use.

Universal life insurance is a permanent form of life insurance that can be purchased to insure you for the rest of your life just as with Whole life insurance but with a fraction of the cost. Whole life insurance for all practical purposes is obsolete mainly because of its very high premium cost factor.

I smoke right now, should I quite first and then apply for life insurance as a non-tobacco user?

That is not necessary due to the fact that you can purchase your life and protect your dependents right away and then apply for non-smoker rates in one year from now. I cannot ever recommend telling someone to wait a year or more because their health history could change in the interim period and then applying for life insurance could become a problem not to mention they would be applying at an older age which would increase the rates.

I quit smoking one year ago, what will happen if I apply right now?

There are several companies that will place you in their “Standard Non-Tobacco” rate class because you quit smoking cigarettes for one full year. One of our favorite companies which is Banner Life will place you in their Standard Plus rate class which is one notch up from the “Standard” rate class. It is very possible a few other companies such as Protective Life and Prudential. Plus a few others. You may also qualify for a “Preferred Non-Tobacco rate from two other companies such as the Nationwide insurance company and Minnesota Life.

If I quit smoking cigarettes 2 years ago, what would the companies do for me?

Two years of not smoking will further open up you options with more companies that would consider you as a “Standard Plus” rate class. Companies such as Voya, MetLife and American National will now get into the picture to offer you their rates also. The longer you are away from tobacco products the better.

What about a total of 3 years away from cigarettes, is this any better?

This is still better yet which will now open the doors to the “Preferred Plus” rate class which will save you even more money. Keep in mind that your overall health and all other prerequisites will have to be right on the money. Normally about 10% of all applicants can be placed in the “Preferred Plus” rate class. This is why working with an independent agent is so important because each company is a little different from one another and an agent needs a wide choice of companies to choose from.

If you have quit smoking 5 years ago or more, all companies will offer you the very best rates you can qualify for.

What is the deal with us cigar smokers, who will offer us the best rates?

Many of the life insurance companies would place a cigarette, pipe and cigar smokers into the same tobacco user rate class such as “Preferred Tobacco” or “Standard Tobacco” rate classes. This would mean at least double the premium which be very expensive. Aig American General and Voya are leading the modern times with a possible “Preferred Plus” rating for cigar and pipe users especially if they do not go hog wild with the amount of cigar or pipe smoking they actually do.

Will any of the companies allow unlimited use of cigars, pipes and chewing tobacco products?

At this point in time Prudential will allow the unlimited use of cigars, pipes, snuff and chewing tobacco and still provide you with Non-Tobacco rates. This is a great program on Prudential’s part because your premiums would be much lower the other company’s rates which would not allow you to be unlimited in the degree of how much you smoke or chew. To be “unlimited” with the other companies would mean a tobacco class straight across the board.

What if I go to a big social event or the golf course and smoke a cigar or two?

This is called celebratory smoking and there is a couple of excellent carriers that will permit a minimal number of cigars to be smoked and still maintain a non-smoker rate. These companies are MetLife and Cincinnati Life. Metlife will allow up to four cigars per year and Cincinnati will allow up the 12 cigars in total.

I smoke Marijuana without any type of a medical prescription. Can I still purchase life insurance?

Yes, you sure can, you can be approved for life insurance if you smoke marijuana, even without a medical prescription from your doctor.

What rate class would I fall into as a Marijuana user?  All life insurance companies vary on how they rate Marijuana smokers.  If you smoked marijuana in the past 3 years, you will not qualify for their preferred non-tobacco ratings. Some of the companies will offer a standard non-tobacco rated for the periodic Marijuana social smokers. If you only smoke Marijuana once or twice a year, you can expect to see standard non-smoker rates. Make sure to read our blog post titled finding the lowest life insurance rates for Marijuana users.

If I use E-Cigarettes can I receive non-tobacco rates?

If you are using electronic cigarettes, there are some life insurance companies that will give you a better rating than being thrown into a tobacco class along with cigarette smokers and everyone else regardless of how much or little you use the products. I would advise you to read our blog post for finding the lowest rates for E-Cigarette users.

Important Tip! Life insurance rates are regulated by law.

The most important concept about purchasing life insurance is that all rates are regulated by law. This means if you are interested in applying for a specific life insurance policy, no one can sell the same exact policy for more or less than another. Each state has a Department of Insurance that regulates all life insurance rates so the industry does not turn into a used car lot market for selling life insurance for your protection as a consumer.

If life insurance rates are regulated, how can I make sure I am receiving the best Term life insurance quotes?

The answer to this question is very simple. All life insurance companies have rates that vary from one company to another. All life insurance companies underwrite their applications differently. To get the lowest rates you can qualify for, your agent must use the most appropriate company for your specific age, health history and lifestyle just to name a few of the specifics. The most appropriate company will offer you the lowest rates because they would be your best fit as a life insurance carrier.

We work hard to choose the correct company for our clients to make sure we are using a company with the lowest life insurance rates and have the most favorable view of our applicant’s specific information on the application. There is no such thing as sales prices or discount premiums like a salesman would when you purchase a car or a television set.

We use the most complete line of competitive companies available to make sure we can secure the lowest rates possible for our clients. That is simply our job as qualified and ethical insurance agents.

If you are looking to apply for life insurance for cigarette, cigar, pipe smokers or tobacco chewers we can help you find the lowest rates.

Thank you for vising our website and reading this blog post. I hope it has answered a lot of your questions. Do not hesitate to contact us if you have any life insurance questions or want to know more about purchasing life insurance for tobacco users. We are always here to help you. Take care and stay healthy!

Use our quote form to your right, or call us toll free at 800-897-5699 and we will be happy to help you find the best life insurance quotes for tobacco users.

Here is our service area where we offer the best Term life insurance with the lowest possible rates for smokers:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia


About the author

Jack Venturi

Jack Venturi is the owner of and is a licensed Insurance Broker with more than 25 years experience specializing in all forms of life insurance products. You may learn more about him at

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