I was recently thinking about getting a life insurance policy for me and my husband. We are both smokers. I know it's not good for you, but the fact is that we do smoke. They all want to know if you smoke. I understand the reason behind it and I realize that I will have to pay more for a policy. But I cannot seem to get past that part in the questionare. I'm afraid to see the price difference. Is it a whole lot more if you are a smoker? My husband says just finish filling one out and see what comes back and that the answer might make us think seriously about quitting. So I guess I'm wanting to know are there any smokers on here that have gotten life insurance and if so is it alot more than if you don't smoke. I'm talking is it a huge difference? Thanks

I smoke and just got a life insurance policy. I didn't compare it to a non-smoking quote partly because there's no way I'd quit before a quote - but also, they still weight the premium if you've "used tobacco products within the last 12 months". So even quitting now won't necessarily give you a non-smokers rate.

I didn't have my application rejected for smoking - it was already accomodated for in the quote. What I did find, though, is that they are quite nervous about recreational drug use and any kind of known health problems that involve increased risk of surgery/cancer, etc - such as Ulcerative Colitis - which bumped up my own premiums by around 40%.

Thanks for the information. It's not that I really want to compare it to a nonsmoking policy, just that I only have so much money to pay out a month for a policey. I was not aware of the 12 months clause though. Thanks again for the information.

We hve life insurance. We have had it for quite some time, and my husband and I both smoke. But I really do not know what the difference is if you smoke or do not smoke sorry.

There's a suprising difference in the two premiums. It's kindof ironic since "they" consider second hand smoke to be just as bad (if not worse) but they don't ask you if you LIVE with a smoker.

My insurance policy courtesy of the company I worked is a package of life insurance, medical benefits, accidental insurance and pension. I have not subscribed to other plans anymore since the incident with my children's educational plans. I'd rather invest the money in business than place it in some plans that can close anytime.

Typically smoker rates will be almost double the non-smoker rate. There are also classifications for preferred rates in both smoker classifications and non-smokers, as well as health rate-ups for certain conditions. Some companies do not consider cigar smokers or chewers as smokers, others do. It is also impossible to hide the smoking since it shows up in your blood work.

If you are smoke free for over a year and can prove it (Dr. report, etc.) you should be able to get them to lower the rate.

You should be able to find some quotes online. I know if you go to the State Farm website (sorry - I can't post links until I have 25 posts) then you can get a quote for a smoking policy and a non-smoking policy. There's got to be others too. This should help you to ball park it.

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Term life isnurance rates can vary by up to 50% or more between insurers for life insurance for smokers.

However, there are some life insurers that specialize in providing coverage for smokers, occassional smokers, and tobacco users.

So, it certainly can save you some money by comparing plans and rates between several insurers.

One firm - Efinancial has been online since 2001 offering free quotes from a network of insurers, some of which specialize in smokers life insurance.

Make sure to answer all the questions on the application truthfully.

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Always ask if the insurer will re-evaluate your rating if your health improves (i.e. quit smoking). Some will not, most will. So you may be paying more, but if you plan on quitting then you know you could eventually gain a tremendous savings.

Also, make sure *any* term policy is convertable to permanent life insurance. If your situation changes, such as a health decline, you may want to exercise this option. Treat any term policy as if this were a permanent policy, in effect, make sure it's worthy of a long-term relationship. It's NOT about the premium, it's about getting VALUE. The cheapest policy may not be the best. What happens when your health declines and the insurer goes out of business? Most large companies are member of state guaranty associations that will honor the policy, but many small ones are not. Be careful!