Cheap Life Insurance for Smokers in 2025
- mattmims
- 4 minutes ago
- 5 min read
Life Insurance for Smokers Quick Solution (No Reading)
Quick Answer: Yes, smokers can still get affordable life insurance in 2025. Expect to pay 2–3x more than non-smokers, but the cheapest option is usually term life insurance. With LifeStein.com, you can compare 50+ carriers instantly and find the company that views your smoking habits most favorably.
Looking for cheap life insurance for smokers in 2025? You’re not alone. Millions of Americans still smoke cigarettes, cigars, or use other forms of nicotine — and life insurance companies take notice. The good news is that affordable options are still available. At LifeStein.com, we work with every top-rated carrier in the country to make sure you get the best price possible, no matter your lifestyle.
Smoke Cigarettes and want a professional to shop around for you? Click here to be sent to a quote submission form for cigarette smokers.
Cigar, Vape, Weed, Zyn, On!, Velo and other life insurance links are below.
Affordable Life Insurance Options for Smokers in 2025
Even though smoking usually means higher premiums, there are life insurance companies that specialize in covering smokers at reasonable rates. Carriers like Legal & General, Banner Life, Protective, Symetra, Pacific Life, Transamerica, Mutual of Omaha, and Nationwide (among many others) each look at smoking differently.
Some companies may only raise your rates slightly if you smoke cigars occasionally, while others may classify you as a “smoker” for even one cigarette. That’s why it’s important to compare quotes side by side — and LifeStein.com makes that easy with our online calculator.
Why Smokers Pay More for Life Insurance
When insurers price your policy, they consider risk. Since smoking is linked to heart disease, lung conditions, and shorter life expectancy, smokers usually get a Standard or Regular health rating instead of Preferred Plus. This can double or even triple your premiums compared to a non-smoker.
But here’s the catch: not all smokers are treated equally. If you only smoke cigars, vape, or use nicotine pouches like Zyn, On!, or Velo, some carriers will actually give you a non-smoker rating. That’s why working with a broker who understands these underwriting differences is critical.
Example: Smoker vs. Non-Smoker Life Insurance Rates (2025)
Age | Coverage Amount | Term Length | Non-Smoker Rate | Smoker Rate |
30 | $500,000 | 20 Years | $22/month | $55/month |
40 | $500,000 | 20 Years | $35/month | $95/month |
50 | $500,000 | 20 Years | $85/month | $210/month |
💡 These are sample averages. Actual rates vary by company and health history. LifeStein.com helps you find the carrier that will give you the best rate for your smoking profile.
Cigarettes vs. Cigars vs. Vape vs. Nicotine Pouches
Age 40 – $500k / 20 yrs | Cigarettes | Cigars | Vape | Zyn / On! / Velo |
Average Monthly Rate | $95 | $70 | $80 | $65 |
👉 This chart shows why working with the right broker matters. While cigarettes get the highest penalty, nicotine pouch users can often qualify for near non-smoker rates with the right carrier.
How to Get the Cheapest Life Insurance as a Smoker
Here are a few tips that can help:
Compare Multiple Carriers – One company might penalize smokers heavily, while another could be more lenient.
Look Into Term Life Insurance – It’s usually much cheaper than whole life coverage. Get a term life quote here.
Consider No Exam Policies – If you want coverage quickly, you can apply for instant life insurance with no medical exam.
Work With a Broker, Not Just One Company – LifeStein.com shops every carrier so you don’t overpay.
Plan for the Future – If you quit smoking and remain tobacco-free for at least 12 months, you can often reapply for lower rates.
Reapplying After Quitting Smoking
If you decide to quit smoking, there’s good news. After 12 months tobacco-free, most companies will let you reapply for non-smoker rates. After 2–3 years, some carriers may even offer Preferred rates if you maintain excellent health.
This means today’s “smoker rates” don’t have to be permanent — LifeStein can help you lower your premiums in the future if you make lifestyle changes.
Cheap Life Insurance for Cigarette, Cigar, and Nicotine Users
Whether you smoke cigarettes, cigars, or use nicotine alternatives, you have options. Check out these resources:
Each of these products has its own underwriting rules. For example, some companies treat cigar users more leniently, while others may lump you in with cigarette smokers.
Customer Review
⭐️⭐️⭐️⭐️⭐️"I smoke cigars on weekends and thought life insurance would cost a fortune. LifeStein found me a company that gave me a non-smoker rate. Best service I’ve ever used."— Adam H., LifeStein Client
Why Choose LifeStein.com in 2025?
LifeStein is the #1 online resource for smokers and nicotine users who need life insurance. We know the underwriting playbook of every major carrier and can match you with the company that will view your situation most favorably.
Plus, we sell in all 50 states and offer private, instant quotes. If you’re ready to save money, you can start in under 60 seconds.
Frequently Asked Questions About Smoker Life Insurance
1. Can smokers get non-smoker life insurance rates? Yes, in some cases. Occasional cigar smokers or nicotine pouch users may qualify for non-smoker rates with the right company.
2. How long after quitting smoking can I apply for lower rates? Most companies require at least 12 months tobacco-free before you can reapply for non-smoker pricing.
3. Does vaping count as smoking for life insurance? For most carriers, yes. But some companies will give you better rates for vaping compared to cigarettes.
4. What’s the cheapest type of life insurance for smokers? Term life insurance is almost always the cheapest option compared to whole life or permanent policies.
Cheap Life Insurance for Smokers Near Me (2025)
Whether you live in California, Texas, Florida, New York, or Alabama, LifeStein.com can help. We shop carriers in all 50 states, so if you’re searching for “cheap life insurance for smokers near me,” the answer is simple: start your quote with LifeStein.
Final Thoughts
Finding cheap life insurance for smokers in 2025 may feel impossible, but it doesn’t have to be. With the right carrier, the right term length, and the right strategy, you can protect your family without overpaying.
LifeStein.com is here to guide you every step of the way.
👉 Start now with instant quotes.
Remember, you can always text the owner of LifeStein.com or call the owner directly.
Matt Mims
Owner of LifeStein.com
(601)-218-7854
