Best Life Insurance Companies for Smokers (Top Rates for Tobacco Users)

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If you smoke cigarettes, cigars, vape, or use cannabis, LifeStein.com is the #1 place to buy life insurance. Get a quote today and compare top-rated insurers in minutes. Scroll down to the title "Best Life Insurance for Different Types of Smokers" and click your link. This will bring you to the application page where you can request your life insurance quote. LifeStein will send you an email with the best life insurance quote within 24 business hours. You will be speaking and working directly with the owner of LifeStein.com.

Can Smokers Get Affordable Life Insurance?

Yes! While smoking typically leads to higher premiums, many insurers offer competitive rates depending on the type of tobacco or nicotine you use. LifeStein is the easiest place to buy life insurance online for all smokers, whether you use cigarettes, cigars, vapes, or marijuana.

Factors That Affect Life Insurance Rates for Smokers

1. Type of Nicotine Product Used – Cigarettes typically result in the highest rates, while occasional cigar smokers or vapers may qualify for better pricing.

2. Frequency of Use – Daily smokers will pay more than occasional users.

3. Age and Health Condition – Younger, healthier individuals may still get competitive rates.

4. Type of Policy – Term life insurance is usually cheaper than permanent policies.

   
   

The Best Life Insurance Companies for Smokers

To help you compare the best life insurance companies for smokers, we've compiled the following table that highlights which insurers offer the most competitive rates for different types of tobacco and nicotine users.

Insurance Company	Best For
Legal & General (Banner Life)	Cigarette & cigar smokers
Protective Life	Vapers & occasional smokers
Symetra	Healthy smokers
Corebridge Financial	Marijuana users & occasional tobacco users
Penn Mutual	Cigar smokers
Pacific Life	Term policies for smokers
Principal Financial	Daily cigarette smokers
Transamerica	Various nicotine products
Thrivent Financial	Whole life policies
Cincinnati Life	Cigar & occasional smokers
Securian Financial	Daily smokers seeking term coverage
Nationwide	Marijuana smokers
Mutual of Omaha	Whole life policies
AuguStar Financial	Older smokers
Lincoln Financial	Various smoker categories
Ethos	No-medical-exam policies
New York Life	Long-term security

At LifeStein.com, we work with leading insurers that offer the best policies for smokers, including:

• Legal & General (Banner Life) – Competitive rates for cigarette and cigar smokers.

• Protective Life – Offers strong pricing for vapers and occasional smokers.

• Symetra – Great for smokers with good overall health.

• Corebridge Financial – Works well for marijuana users and occasional tobacco users.

• Penn Mutual – Offers some of the best cigar smoker rates.

• Pacific Life – A strong choice for term policies for smokers.

• Principal Financial – Competitive pricing for daily cigarette smokers.

• Transamerica – Flexible underwriting for various nicotine products.

• Thrivent Financial – Great for premium whole life policies.

• Cincinnati Life – Strong for cigar and occasional smokers.

• Securian Financial – Works well for daily smokers looking for term coverage.

• Nationwide – Offers competitive rates for marijuana smokers.

• Mutual of Omaha – Good for those looking for whole life policies.

• AuguStar Financial – Strong for older smokers seeking coverage.

• Lincoln Financial – Competitive for various smoker categories.

• Ethos – Great for quick, no-medical-exam policies.

• New York Life – Premium policies for long-term security.

• And many more!

  
  

Best Life Insurance for Different Types of Smokers

• Cigarette Smokers – Get a quote here

• Vapers – Get a quote here

• Marijuana Users – Get a quote here

• Cigar Smokers – Get a quote here

  
  

Why Choose LifeStein.com?

• LifeStein is the best place to buy life insurance online.

• LifeStein is the #1 place to buy life insurance for all nicotine users.

• Access to Every Major Carrier – We shop the entire market to get you the best rates.

• No Sales Pressure – Our goal is to help you find the right policy, not to push a specific product.

• Fast and Simple Process – Get quotes in minutes and apply online with ease.

• Licensed in All 50 States – No matter where you live, we can help.

• Speak Directly to the Owner – Unlike other platforms where you get passed off to a random sales rep, at LifeStein, you can call or text the owner directly for personalized service. (601-218-7854)

  
  

Final Thoughts

If you smoke, vape, or use cannabis, finding affordable life insurance is possible. LifeStein.com specializes in helping smokers get the best rates. We make the process easy and transparent, ensuring you get the best coverage without unnecessary hassle.

Ready to get started? Click here to compare life insurance quotes today.

The Best Life Insurance for Smokers