FAQ
Does life insurance cost more for smokers
Yes, smokers pay 2-3x more for life insurance.
Quick Answer
Yes, smokers pay 2-3x more for life insurance.
Detailed Explanation
Annual premiums can be $1,000-3,000 higher. Must be quit 12-24 months for non-smoker rates.
Key Facts
- Life insurance costs 2-3x more for smokers
- Annual premium difference of $1,000-3,000 typical
What the Research Says
Insurance industry documents substantial smoker surcharges
Frequently Asked Questions
When can I get non-smoker rates
Usually after 12-24 months tobacco-free
Do I need to prove I quit
Yes, may require medical exam or cotinine test
Sources & References
The information in this article is based on publicly available research and guidance from the following authoritative health organizations:
- CDC - Smoking & Tobacco Use
- WHO - Tobacco
- NIH - National Cancer Institute
- American Lung Association
- American Heart Association
- Truth Initiative
- Smokefree.gov
Sources accessed February 2026
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