How Much Does Life Insurance Cost For A Smoker? 
This will depend on a number of factors , but for a given age , gender , and risk class - the premiums for a smoker will be roughly about 50 % more than non-smoker rates -LRB- can be higher , varies by carrier -RRB- . Some carriers may offer non-smoker rates to tobacco users depending on the type of tobacco and frequency of usage . The types of tobacco that carriers may consider for non-smoker rates are cigars , pipe smokers , and chewing tobacco - if you 're using cigarettes , you 're going to get smoker rates . To get a realistic projection of cost , you will want to review your height/weight and medical history with an independent agent to identify the risk class you 're most likely to qualify for -LRB- this determines the premiums for the program -RRB- , the age of the proposed insured -LRB- PI -RRB- , whether you 're male or female , a tobacco user or not , amount of coverage you want to secure/need , and how long you want to have the coverage in place for . 