How Does Smoking Affect Life Insurance Rates? 
Smokers are considered a health risk and unfortunately will always pay a higher premium . The serious health conditions that are associated with smoking means smokers have a shorter life expectancy . If one is a smoker the best course of action would be to seek some type of smoking cessation program . One small word of advice ; if your option is the electronic cigarette this will show up in the para-meds as nicotine usage . In some cases it will afford you a lower premium however your rating class with most insurance companies will be listed as smoker . 