How Much Does Life Insurance Cost For A Smoker? 
Unfortunately , that is too broad a question to give a specific answer . I can however , point you in the right direction . Smoking status is just one factor in assessing risks and setting rates . Smokers usually will pay more than non-smokers . The reason for the word usually , as opposed to definitely , is that in Canada some companies approach smoking differently . In other words , they charge smokers different rates based on what and how much they smoke . For example , cigar smokers are generally permitted to smoke 1 cigar a month with many companies to still be considered `` non-smokers '' for insurance purposes . I suspect it is for purely competitive reasons for cigar-smoking golfers . However , a more realistic approach is allowing 50 cigars a year which some companies take . I suggest that you look at the online quoting services to get an idea and then work with a local independent agent / broker to get the right policy at the right price . It is very important that you are truthful when declaring your smoking status as the company can deny your claim if you are not . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 