How Much Is Life Insurance If You Smoke? 
If you smoke cigarettes , Life Insurance rates run approximate three times what they would be for a nonsmoker . With very competitive smoker rates , the difference is not quite as much ; with a health condition combined with smoking , the difference in premiums could be much higher . Smoking an occasional cigar does not have much effect on rates at all , however . And even a daily cigar can qualify for nonsmoker rates with a few companies . Unfortunately , there is no break for those who are social cigarette smokers except that can be rated Preferred Smoker if their other health and risk factors are Preferred . 