life insurance for smokers

Life insurance for smokers is available from many companies, but it is important to shop around and compare quotes. Transamerica, Prudential, State Farm, and Legal & General America are a few companies that offer life insurance for smokers. These companies can be a good choice if you want coverage without the stigma that comes with being a smoker.

Transamerica offers life insurance for smokers

Transamerica is one of the country’s largest providers of life insurance, offering term, whole, and universal policies. While the company no longer has its corporate headquarters in San Francisco, it still uses the iconic Transamerica Pyramid logo. Unlike other life insurance companies, Transamerica is willing to issue policies to smokers without charging them higher premiums.

Transamerica offers two types of life insurance for smokers. There are standard tobacco rates and preferred tobacco rates. Smokers can qualify for preferred tobacco rates if they smoke fewer than five cigars a month or if they smoke less than 12 cigars a year. Nonsmokers can also qualify for standard nontobacco rates if they smoke less than 12 cigars per year.

While life insurance for smokers typically costs more than non-smokers, there are a few ways to save money. One way to lower premiums is to pay in a lump sum. Smokers can also save money by purchasing a policy early. In addition, it is wise to compare multiple quotes before making a decision.

To qualify for life insurance for smokers, you must have an established health history. Typically, insurers use medical records or doctor’s notes to determine a smoker’s risk profile. If you have a history of health problems, smoking will increase your premiums. Fortunately, some companies offer life insurance for smokers, including John Hancock and MassMutual.

Transamerica offers affordable life insurance for smokers in 24 states. The company offers term, universal, and whole life plans. You can also get a free rate review after two years. While Transamerica has the lowest rates for smokers, MassMutual is another option. The company offers policies for smokers who smoke cigars.


Prudential life insurance for smokers can save you a considerable amount of money over a traditional policy. Its low rates are available even to those with medical conditions and other risks. The company offers several ways for you to reduce your premiums, such as rate reductions if you quit smoking for a year.

To get a quote, you can call Prudential or visit their website. They will give you an accurate estimate of the rate you would pay for a policy for $250,000 of coverage. They also provide actual rates for smokers. You can use these rates as a guide when deciding which policy is right for you.

Choosing the right type of coverage is very important. It is important to do research on the different options available. You should choose the sum assured, term, and mode of payment. Make sure you answer all questions honestly. Prudential offers several non-smoker policies, including the standard plus non-smoker rate class.

Smokers can also qualify for discounted rates when buying life insurance through the Prudential website. This allows you to save between 12 and 15% on your premiums. The company also offers competitive rates for their term insurance policies. Therefore, if you want high-quality coverage at an affordable price, Prudential life insurance for smokers is a great choice.

Prudential is also known for their responsive customer service. They can usually approve your policy within six weeks or less, though the timeframe can be longer if you have extensive medical records. One downside to Prudential is that it does not offer electronic signature upon policy approval. You must also wait for the company to mail you a hard copy of the policy. However, some people still prefer to have a physical copy.

State Farm

State Farm life insurance for smokers is a great choice for smokers looking for affordable coverage. The company offers competitive rates and plenty of rider options to customize the policy to your needs. The company also offers auto, home, and commercial insurance. Smokers can choose from term, universal, or whole life insurance, or final expense insurance if they live in New York.

In addition to a solid financial rating, State Farm is one of the most customer-friendly companies. They’ve won the Award Recipient (Among the Best) award from Standard and Poor’s, indicating that they have a stable financial outlook. Furthermore, they have a top-tier position among other insurers for the number of individual life premiums written.

Smokers can choose between standard and preferred rates. Standard tobacco rates are available to applicants aged 19 and older. Preferred tobacco rates are also available for smokers who smoke less than a cigar a month. If you smoke more than twelve cigars a year, consider getting a nontobacco preferred plus rate.

A smoker’s life insurance policy can be very affordable if you’re young and healthy. However, the more coverage a person needs, the higher the premium. Therefore, it’s better to get a policy when you’re young and healthier. Smokers should also remember that the cost of life insurance is higher than that of non-smokers.

Smokers can choose a term or whole life policy. With the latter, smokers can choose the coverage amount that suits their budget. The coverage amounts range from $25,000 to $3 million. Smokers should make sure to compare the different plans available to find the best deal for their needs.

Legal & General America

Smoking can be a big risk for your life insurance premiums. However, a few companies offer smoker-friendly life insurance policies. AIG Direct offers a variety of low-cost plans for smokers. Its no-exam policies can cover anywhere from $50,000 to $1 million in coverage.

Legal & General America life insurance for smoker is backed by Banner Life Insurance Company. This company was established in 1836 and currently operates in the United States, Canada, and Mexico. It is part of the Legal & General Group and is listed in the AA rating by Standard & Poor’s.

If you smoke, you need to find a life insurance policy that covers your habit. Smoking increases your risk of getting sick, causing premature death, and costing your insurance company more money. Because of these risks, most insurers consider smokers higher risk for life insurance.

While smokers pay a higher premium than non-smokers, smokers who are in otherwise good health can still get competitive rates. To qualify for standard non-smokers’ rates, you must have a clean driving history within the last three years and no history of cancer in the family. You should also have a healthy BMI and low cholesterol levels.

Prudential and MassMutual offer competitive rates for smokers and non-smokers. If you smoke marijuana, you can get the best rates by disclosing your use in your life insurance application. Prudential also offers special rates for habitual marijuana users.

If you smoke, you should also know that Legal & General America life insurance for smoker’s smokers are not available online. For a permanent life insurance quote, you need to contact the company directly. Term life insurance is available for as low as $7 a month.


Smokers can save money on their life insurance premiums by comparing rates with guaranteed issue life insurance. This type of policy doesn’t require a medical exam or ask for personal health information. Rates are based on your age, gender and the amount of coverage you desire. The downside to a guaranteed issue policy is that it usually offers low coverage amounts.

Smokers pay higher insurance rates than nonsmokers for a variety of reasons. They have a higher risk of cancer, heart disease, and respiratory diseases. The longer you have been a smoker, the higher your premiums will be. To qualify for a nonsmoker rate, you must have quit smoking for at least 365 days.

Smokers should understand that the rates for life insurance for smokers vary according to the type of tobacco used. Nationwide offers standard tobacco rates as well as non-tobacco rates for smokers. They also offer preferred tobacco and non-tobacco rates to cigar smokers. They may also qualify for non-tobacco preferred plus rates if they smoke 12 or fewer cigars per year.

Smokers may qualify for a range of life insurance policies, but the price is high for those with a serious smoking-related illness. They may also have lower death benefits. A simple term life policy may be the best option for them because it offers a fixed death benefit and level premiums. The downside is that if you survive the term, you’ll need to reapply for new coverage.

Smokers are at a higher risk than non-smokers, so they need to shop around. However, they can still save money by purchasing a policy early and receiving a discounted premium. Moreover, they can avoid life insurance scams by shopping around. By taking time to compare, smokers can be sure they’re getting the best deal.