How Much Does Life Insurance Cost For A Smoker? 
Life insurance for a smoker costs less than you may realize . Rates for nicotine users have reduced in recent years and many affordable smoking policies are offered by the top-rated companies . The best prices are typically found by experienced brokers and our top-ranked websites that can accomplish hours of research almost instantaneously . And best of all , the quotes are always free and applying for coverage is simple . That 's our specialty . Here are some sample monthly rates -LRB- below -RRB- . Prices are based on a healthy smoking 35 year-old male : $ 79.31 - $ 500,000 20-year guarantee $ 45.41 - $ 250,000 20-year guarantee $ 30.06 - $ 250,000 10-year guarantee $ 39.83 - $ 350,000 10-year guarantee Rates are based on the most competitive offers at the time of the quote request . Only `` A '' rated companies were considered . Of course , all policies are subject to underwriting guidelines . 