Life Insurance For Smokers

Shawn Plummer

CEO, The Annuity Expert

Will life insurance pay if you smoke? Researching how to get life insurance coverage if you’re a smoker or tobacco user? In this guide, we’ll go over what you need to know to get coverage, shop life insurance quotes online, and get you insured at the lowest cost possible.

You should know is that if you smoke cigarettes, chew tobacco, or vape, you can get life insurance coverage in most scenarios. You want to be truthful in your application because you could be declined on your life insurance smoker test if you’re not. During the medical exam, a urine or blood test or hair sample will show tobacco use if you’ve recently consumed it.

If you feel your health could prevent you from being approved for a life insurance policy, contact us. Very rarely can we not find a solution for most people seeking life insurance with pre-existing medical conditions. This includes lung disease, chronic bronchitis, emphysema, and asthma.

When applying, choose a Nicotine or Cannabis user status. The insurance company will ask you the frequency of your consumption. The consumption amount, tobacco test, family history, and medical results will determine your health status to receive coverage.

Life Insurance Quotes For Tobacco Smokers And Vaping

Find The Best Life Insurance Coverage At The Cheapest Cost!

Compare life insurance quotes from 25 companies in seconds. Then, apply for coverage in less than 10 minutes.

Find Life Insurance Coverage with No Medical Exams

Apply for affordable life insurance with no medical exams. Then, apply for same-day coverage in less than 10 minutes.

Do Life Insurance Companies Test For Nicotine?

Since a blood, hair, or urine test is taken during the medical underwriting test, nicotine can be detected, but don’t fret. Generally, you will not be declined, rather an increase in premiums. An alternative to fully underwritten life insurance, apply for a life insurance policy that does not require a medical exam.

Shawn Plummer

CEO, The Annuity Expert

I’ve sold annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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