Can I get life insurance if I smoke or vape?
Answered by 4 licensed agents
The amount of the rate increase varies by insurance company, the type and frequency of nicotine use, your age, and your overall health. Some insurers have more favorable underwriting guidelines for occasional cigar smokers or certain vaping habits, while others classify all nicotine users similarly.
The most important thing is to be honest on the application. Insurance companies routinely test for nicotine during the underwriting process and may review medical records and prescription history. Providing accurate information helps ensure the policy is issued correctly and that your beneficiaries will not encounter problems if a claim is filed.
Even if you smoke or vape, there are usually multiple life insurance options available. Working with an independent agent who can compare several companies may help you find the most competitive rates for your situation.
Answered by Marc Frye on June 17, 2026
Agent Licensed in NV
Life insurance rates are based on risk assessment at its core. Since smoking may lead to significant health risks such as heart disease, cardiovascular disease, and cancer amongst other health issues, this is seen as a higher risk of insurability.
On average, long-term smokers are estimated to live 10 to 12 years less than individuals who have never smoked.
Answered by Jacob Hollingsworth on June 17, 2026
Broker Licensed in MN & MO
Answered by Pamela Teaford on June 17, 2026
Agent Licensed in PA
Answered by Stacey Dejo on June 17, 2026
Broker Licensed in FL, AL, AZ & 18 other states
Tags: Eligibility Rates and Costs
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