Can You Get Life Insurance if You Smoke and Drink?

Shawn Plummer

CEO, The Annuity Expert

Yes, You Can Get Life Insurance as a Smoker and Drinker

Life Insurance for Smokers and Drinkers: Factors and Rates

  • Substance Abuse History Impact: If you have a history of substance abuse, it can affect your life insurance rates. Insurers consider past substance abuse as a risk factor.
  • Recreational/Social Drinking: Generally, social or recreational drinking is not viewed negatively during the underwriting process. It’s excessive or problematic drinking that raises concerns.
  • Smoking Rates Variation: Rates for smokers can vary significantly between insurance carriers. Each company has its own underwriting criteria and risk assessment methods.
  • Possibility of Non-Smoker Rates for Smokers: In some cases, smokers may qualify for non-smoker rates. This depends on the insurance company’s policies and the frequency and nature of your smoking.

Comparing Life Insurance Options for Smokers and Drinkers

FactorImpact on SmokersImpact on Drinkers
RatesHigher premiums compared to non-smokersGenerally unaffected for social drinkers
UnderwritingStricter criteria; frequency of smoking consideredFocus on drinking patterns and history of alcohol-related issues
Policy OptionsMay vary; some insurers offer smoker-friendly policiesStandard policies are usually available
Health ConsiderationsHealth status apart from smoking is evaluatedOverall health and lifestyle choices assessed


While smoking and drinking can impact life insurance, it’s still possible to obtain coverage. Smokers may face higher rates, but options vary by insurer, and in some cases, non-smoker rates might be available. Social drinking typically doesn’t affect life insurance unfavorably. It’s important to compare policies and consult with insurance providers to find the best fit for your lifestyle. Remember, each case is unique, and insurers assess risk differently.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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