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  • LIFE INSURANCE BASICS
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  1. Home
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  4. Life Insurance for Smokers

Life Insurance for Smokers

There are Options Out There for Life Insurance for Smokers

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While many companies don’t provide smoker’s life insurance policies, AIG Direct may be able to help you find smoker coverage at a price that meets your budget. If you smoke, you may not be offered the lowest rates, in comparison to applicants who do not smoke. However, if you are shopping for life insurance for smokers, there are budget-friendly options.

Be Honest About Your Habit

If you are a smoker, it's important that you share this information up front. Your life insurance medical exam, which is required as part of your application for term life insurance for smokers, will detect the presence of nicotine in your system as part of the life insurance nicotine test. So it's pointless to hide the fact that you smoke when applying for coverage.

It's best to be honest about your smoking habit when applying for a Term Life Insurance policy. This way, you can be guided to the options most suited to your needs and increase your likelihood of receiving coverage - at a good rate.

What about life insurance coverage for other types of nicotine or tobacco use?

Tobacco users who chew, snuff, vape, smoke cigars or pipes are still considered nicotine users by most insurance carriers. At AIG Direct, we work with you to find a life insurance policy that offers a competitive life insurance rate for your personal situation. We may be able to find you a non-smoker rate, depending on the nature of your tobacco usage.

Marijuana and Life Insurance: Does Usage Affect Coverage?

While many states are now decriminalizing or legalizing medicinal or recreational use of marijuana, life insurance carriers have been slower to revise their guidelines.

Most insurance carriers still screen for marijuana usage in their medical exams or life insurance drug test, and some will consider a marijuana user in their smoker category. Others carriers may decline coverage for any drug usage detected.

For a medical marijuana user, it's important to consider what condition the treatment is for. It may be that the underlying illness, such as cancer or Parkinson's disease, may be a bigger factor in obtaining coverage than the cannabis usage.

It's best to speak with a licensed insurance agent to understand what your options are for policy type and insurance carrier, and determine if a smoker life insurance rate will be applied.

Is it best to quit smoking before applying for life insurance?

While it may be tempting to put off your life insurance coverage until you've quit smoking, we all know how challenging that can be. Although life insurance rates for smokers are generally higher than for non-smokers, we never recommend delaying coverage. As a smoker, you are at a higher risk for many conditions, including heart disease, strokes and cancer 1. Postponing your life insurance coverage, only puts you and your family at greater risk. Plus, rates typically increase as you age. So the saving that may be achieved by waiting to quit, may be offset by your increased age.

 

 

1. https: //www.cdc.gov/ tobacco/ data_statistics/ fact_sheets/ health_effects/ effects_cig_smoking/ index.htm

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LIFE INSURANCE PRODUCTS
  • Term Life Insurance
  • Quality of Life
  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Issue Whole Life Insurance
  • Accidental Death Insurance
  • Self-Fulfilling Life Insurance
LIFE INSURANCE BASICS
  • Life Insurance
  • What is Life Insurance
  • How Does Life Insurance Work
  • Choosing a Life Insurance Policy
  • What to Expect When You Apply
  • Medical Exam Preparations
  • Managing Your Life Insurance Policy
  • Term Life Insurance Calculator
  • About Life Insurance Blog
ABOUT AIG DIRECT
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  • LIFE INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • What is Life Insurance
    • How Does Life Insurance Work
    • Choosing a Life Insurance Policy
    • What to Expect When You Apply
    • Medical Exam Preparations
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
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© 2023 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"). All members of American International Group ("AIG"). AGL does not solicit, issue or deliver policies or contracts in the state of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

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