How Does Life Insurance For Smokers Work?

Life Insurance for smokers and non smokers is virtually the same. However, there is one major difference; rates. Because insurance companies favor low risks more when choosing who they insure, it's no surprise that because smokers are at a higher risk of death and certain illnesses, premiums are higher. But don't worry, there are some companies out there that offer favorable rates for smokers. Use our Smoker's Life Insurance quote tool to see who they are and how you can benefit.

Can I Really Get Life Insurance If I Smoke?

Yes you can absolutely obtain life insurance if you smoke. Just be willing to pay slightly higher premiums, even with the favorable treatment these smoker friendly companies provide.

Do I Have to Take a Physical Exam?

Depending on the amount of coverage and the insurance carrier, you may not have to take an exam. On the other hand, some carriers may opt for you to take an exam to assess the risk it assumes when insuring you. So all in all it just depends on the carrier and amount of coverage desired. The companies we've selected not only have favorable rates for smokers, but also no exam options.

What If I Smoke E-Cigarettes

Due to clinically proven long term effects, if you actively smoke e-cigarettes you may still have to pay a slightly higher premium. However, the carriers we've selected for you provide favorable rates for smokers of regular tobacco, e-cigarettes, those who chew and dip tobacco, marijuana users, vapers, and even those who actively use nicotine aides.

Life Insurance Needs Calculator


At Empyral we take privacy serious. When you apply for a quote or insurance coverage we gather information about you. This information may include your driving record, history of claims with other companies, and credit information.

We retain and share this information within our company so we do not have to ask you for the same information again.

If you prefer to limit the sharing of your personal information within this web form, please contact your Empyral Insurance Group agent, or call 1-888-558-6045.

To proceed with your transaction, click "Display Quotes".

Carrier products and requirements vary. Therefore, certain Term Life Insurance policies and/or associated riders and features may not be available in all states, and policy terms and conditions may vary by state as well.

These Term Life Insurance quotes are only general descriptions of coverage. A complete statement of coverage can only be found in your policy.

Empyral Insurance Group agents do not provide investment, legal, or tax advice under any circumstances. For that specific advice we recommend you speak with your investment, legal, or tax attorney or advisor.

These policies have exclusions and limitations. For costs and complete details of coverage, please contact an Empyral Insurance Group agent/insurance producer.

The purpose of this communication is the solicitation of insurance. You may be contacted by an agent/insurance producer from Empyral Insurance Group. The premium class may vary based on underwriting review and may be different or the policies may not be available. A medical exam may be required.

Provided by:

Empyral Insurance Group, LLC (Currently licensed in Louisiana, Mississippi, and Texas only)

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