How Much Is Life Insurance For A Smoker? 
Life insurance for a smoker will cost 2 to 3 times more than Nonsmoker rates for most medically underwritten life insurance . If purchasing a No Exam policy -LRB- especially if a small , permanent , final expense policy -RRB- , the rates for smokers may be only slightly higher than for nonsmokers . Persons who use tobacco other than cigarettes -LRB- e.g. chewing tobacco , daily cigars , or nicotine gum -RRB- can pay Standard Nonsmoker rates with a handful of companies . For those who use cigars weekly or less frequently , Preferred Nonsmoker rates are possible . 