How Much More Is Life Insurance For A Smoker? 
That varies by company and the amount of insurance applied for . I have seen as high as 10 % or more . Some companies are a little more lenient than others but most companies will rate smokers higher than non smokers due to the average increase in mortality risk . There are a couple companies that do not rate up for use of some tobacco products such as a pipe or chew , but I have found that many of these charge higher rates across the board . 