How Much Is Life Insurance If You Smoke? 
The short answer : Much more expensive than if you did n't ! Rates for smokers tend to be twice -LRB- or more -RRB- as expensive as rates for non-smokers . Some life insurance companies are better suited to smokers than others , so keep this in mind if you are shopping for a policy . An independent agent who has access to a wide variety of carriers can find you the best rates for your particular situation . 