How Much Does Life Insurance Cost For A Smoker? 
The cost of life insurance for a smoker varies with age , gender and build , just as it does for life insurance for a nonsmoker . However , when you throw in a health condition , being a smoker can increase premiums much more than it does for a nonsmoker . Smoking while having diabetes , heart disease , COPD , even osteoporosis , can cause rates to jump exponentially , or even be declined . One way to get around this can be to purchase a simplified issue life insurance policy . Their smoker rates tend to not have quite as large a variation as medically underwritten policies , and they may not be as strict about the impact of smoking upon that health condition . There are also medically underwritten policies that treat smokers much better than others . Contact an agency that specializes in smoker life insurance to get your most competitive rate . 