Life Insurance for Smokers

Smokers 2016-11-01T12:29:14+00:00

If You Are a Smoker, You Can Still Get Affordable Life Insurance

If you are looking to find cheap term life insurance for a smoker, then you have come to the right place. We can teach you how to find the best rate and even possibly get a preferred smoker rate which can save you up to 33% off a standard rate.

But first, you need to know if a life insurance company classifies you as a smoker. Which we will teach you on this page.

Second, the most important way for a smoker to get the cheapest life insurance is to qualify for a preferred smoker rate. Our quote engine is the only one of it’s kind that will show you prices at both a preferred and standard rate class. Once you see the prices, you need to know how to qualify for that rate.

A Local Life Agent will tell you if it is possible for you to qualify for – and get – a preferred rate. We know how to get the best life insurance rates for smokers.

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When Are Tobacco Users ‘Not Smokers’?

Depending on the classification, you may qualify for rates as good as Preferred Best Non-Tobacco. The final rate considers the frequency of your use of tobacco, and whether you test positive for nicotine. Nonetheless, Local Life Agents knows how to find the best life insurance rates for smokers.

  • When the client smokes marijuana but not cigarettes.
  • When the client chews tobacco but doesn’t smoke cigarettes.
  • When the client smokes a pipe but doesn’t smoke cigarettes.
  • When the client smokes cigars but doesn’t smoke cigarettes.
  • When the client chews nicotine gum or uses a patch but doesn’t smoke cigarettes.
  • When the client uses an E-Cigarette but doesn’t smoke regular cigarettes.

Why Life Insurance Rates for Smokers Cost More.

What does tobacco do to you? Life insurance for smokers costs more because of the harmful effects cigarettes have on the body. The health effects of nicotine use are serious. Still, Local Life Agents will help you find the cheapest life insurance, no matter the risks.

  • Cigarettes cause 1 in 5 deaths. 480,000 a year in US.
  • Smoking destroys almost every single organ in the human body.
  • Smoking causes many harmful diseases that increase your risk of death.
  • Increases risk of stroke, heart attack, cardiovascular and lung disease, and more.
  • Smoking causes 9 out of 10 lung cancer deaths.
  • Smoking causes more females to die from lung cancer every year vs breast cancer.

How much more does life insurance cost if you smoke?

Male, 40 Years Old. 20 Year Term Policy. $250,000

Preferred Best Monthly Rate $ 18
Preferred Rate Monthly Rate $ 23
Standard Plus Monthly Rate $ 29
Standard Monthly Rate $ 35
Preferred Smoker Monthly Rate $ 68
Standard Smoker Monthly Rate $ 91

Female, 40 Years Old. 20 Year Term Policy. $250,000

Preferred Best Monthly Rate $ 16
Preferred Monthly Rate $ 20
Standard Plus Monthly Rate $ 25
Standard Monthly Rate $ 30
Preferred Smoker Monthly Rate $ 53
Standard Smoker Monthly Rate $ 68

FAQ

I quit smoking. How long until I can get a non smoker life insurance rate?

Preferred Best Rate.

An applicant who has not used nicotine in the past three years may qualify for a preferred best rate, but he or she must test negative for any nicotine byproducts or cotinine. Most companies, however, will not offer preferred best rates unless you have not used tobacco for five years.

Preferred Rate.

An applicant who has not used nicotine in the past two years may qualify for a preferred rate with some of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

Standard Rate.

An applicant who has not used nicotine in the past one year may qualify for a standard life insurance rate with most of our companies, but he or she must test negative for any nicotine byproducts or cotinine.

Marijuana Smokers

Smoking marijuana does not necessarily mean that you will automatically be given a smokers rate. But if you choose the wrong agent they might give you a smokers€™ rate class.

We know the best life insurance company for marijuana smokers.  You can even test positive for THC.

You have to disclose that you smoke on the application and must be a casual user.  Individual circumstances will determine if you can qualify.

Cigar Smokers

We represent several companies that will allow occasional cigar smokers to get a non smoker life insurance rate. Possibly even a preferred plus rate.

Some life insurance companies will allow (up to one cigar a week) and some that will allow up to (1 cigar a month).

Occasional cigar (up to 12 per year) is acceptable if admitted on the application and urine specimen is negative for nicotine byproducts.

Chewing tobacco, dip and snuff

If you use chewing tobacco, dip or snuff Local Life Agents can get you a non smoker life insurance rate.  This will save you 50% in cost compared to being rated as a smoker.

Their are only a couple of life insurance companies who will offer you a non smoker rate if you use chewing tobacco, dip or snuff.  We know which life insurance companies to quote to get non smoker rate.

Nicotine gum or uses a patch

If you use nicotine gum or a patch most life insurance carriers are going to consider you a nicotine /tobacco user and will offer smoker rates– as you’re still receiving nicotine.

We do have one company that will offer a non smoker standard plus rate class.  This is assuming no cigarettes in past 12 months.  You don’t have to show negative nicotine/cotinine byproducts in your exam.

Smokes E-Cigarettes

As of right now getting life insurance if you smoke electronic cigarettes will get you rated as a smoker, however their is one life insurance company who will offer you a non smoker rate.

We have one life insurance company who will offer cheap life insurance for e-cigarette users.  To meet the underwriting guidelines it states that you can not have smoked and cigarettes in the last 12 months.

Prior to moving forward, it helps to know just exactly what a life insurance company may or may not test for.

It is also good to know approximately how long elements such as nicotine can stay in your system – and how long is nicotine detectable – as this could make a difference in your premium. Life insurance applicants who know the how, when, where, why, and even the who in terms of life insurance coverage can oftentimes end up with the best coverage, and the lowest premium rates. As a smoker who is applying for life insurance, some of the primary questions you may be asking are:

Do Life Insurance Companies Test for Cotinine?

When applying for life insurance as a smoker, you will likely see the word cotinine quite a bit. So, what is cotinine and what are they referring to? Cotinine is actually a type of “alkaloid” that is found in tobacco, and it is used as an indicator for exposure to tobacco smoke. If you’re wondering how long does cotinine stay in urine, the answer can differ for different people – but in general, it usually takes about 2 to 4 days to leave the body after your last smoke. If, however, you are a more heavy smoker than the average person and are considered to have more nicotine in system, it could take up to a week.

Do Life Insurance Companies Test for Nicotine?

Although they don’t test specifically for nicotine in blood, the life insurance blood test will typically be able to detect nicotine – or more likely, cotinine – that is within your system. Likewise, while there isn’t a specific cotinine urine test, the insurance company will also take a urine sample, as well as a saliva mouth swab, prior to approving your application. In terms of how long for nicotine to leave body – this will depend on the individual. But in most cases, it can usually be detected in a blood test for between 1 and 3 days following the consumption of a tobacco product. This can depend, though, on how much you smoke, as well as on your age and your overall health. You may also be wondering how long does gum stay in your system. The answer here is, just as with any of the other products that contain nicotine, this could also take up to three days (or more) to exit the body completely.

How Long Does Tobacco Stay in Your System?

Tobacco can be consumed in many different forms, including cigarettes, cigars, gum, and even patches. Regardless of the form in which it is consumed, though, it will typically still take several days for it to leave the body. And, regardless of whether or not it is still actually in your system, it is likely that smokers rates will still apply to your life insurance policy.

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