How Much Does Life Insurance Cost For A Smoker? 
Since life insurance rates will depend on several factors such as face amount , type of policy , your overall health and insurability profile , etc , the real question is how much MORE does life insurance cost for a smoker . Most companies differentiate between different types of tobacco use . An occasional cigar smoker may get a better rate than a cigarette smoker . A cigarette smoker could expect to pay 30 % to 50 % more in premiums depending on their age than a non-tabacco user . 