How Much Does Life Insurance Cost For A Smoker? 
Rates are n't that bad . But why not quit smoking ? 6 months off tobacco will save you loads of $ $ $ . For a 40 year old male , the very best rates we can get for you is : 20 Year , Non-Smoker $ 500K coverage $ 29.41 / month $ 340.00 / year 20 Year Smoker $ 500K coverage $ 125.43 / month $ 1,450.00 / year Not only do you save money if you do n't smoke . But the odds are you will outlive your life insurance , which should be your number one goal for your family . 