Life Insurance for Smokers and Vapers

The short answerYes. Smokers and vapers can get life insurance, but most insurers place nicotine users in a higher-cost tobacco class. Some insurers treat occasional cigars, chewing tobacco or nicotine replacement differently. If you quit, many insurers will consider non-tobacco rates after you've been nicotine-free for a set period, often 12 months or more. Always answer tobacco questions honestly.

What counts as tobacco use

Cigarettes and vaping
Cigars and pipes (some insurers are more lenient on occasional cigars)
Chewing tobacco
Nicotine gum or patches (treatment varies by insurer)

Why honesty matters

Insurers often test for nicotine, and a misstatement can lead to problems with a claim. Being upfront lets your agent find the insurer most favorable to your type of use.

Planning to quit?

Get covered now at tobacco rates, then ask about a re-rate once you've been nicotine-free long enough. That way your family is protected while you work on it. Every application is reviewed individually. Approval, the price, and the type of policy all depend on underwriting.

Find the money for protection

The free FAST calculator shows where money slips away each month and how much could go toward coverage instead. You don't need a lot of money to protect your tomorrow, today.

Try the FAST calculator See what you may qualify for

Related free tools

Family needs analysisAdd up debt, income, mortgage and education to get your own coverage number.Instant quoteGet a ballpark estimate in about 60 seconds. No SSN needed.Mortgage coverage calculatorStart with your loan balance and monthly payment.

Common follow-up questions

How much more do smokers pay?

Often significantly more than non-smokers. The difference varies by insurer, age and amount.

Is vaping treated like smoking?

By most insurers, yes.

Can I switch to non-tobacco rates later?

Many insurers allow a re-rate after a nicotine-free period. Terms vary.

What about marijuana?

Insurers vary widely, and some treat it differently from tobacco. Be honest and ask your agent.

Keep learning

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Can smokers and vapers get life insurance?