It's worth shopping around to see if any life insurer offers a policy designed for your specific situation. Health insurance companies generally classify clients in one of four categories: Preferred Best (sometimes called "Super Preferred"), Second Best Preferred (or simply "Preferred"), Standard Plus and Standard. Current or recent smokers are classified as either Preferred Smoker or Standard Smoker.  Each insurance company has its own approach to classifying customers; some may categorize you as a smoker even if you quit three years ago. Your categorization will help determine your life insurance coverage premium, so be honest and specific when speaking with an advisor or representative. And it's worth the effort to identify a life insurance company and policy that will cover you affordably and effectively, whatever your health status.