How Much Does Life Insurance Cost For A Smoker? 
Life insurance rates for smokers may be less expensive than you realize ! Of course , as experienced brokers , our job is to shop , compare and find the lowest prices with the help of our top-rated websites and modern software . Nicotine use is one of the underwriting factors considered when determining rates . However , other factors , such as use of medications , existing conditions and height/weight will also factor in the determination of prices . A few general estimates from top-rated companies : -LRB- Rates are monthly for a healthy smoker...10-year guarantee -RRB- : $ 39 - $ 250,000 40 year old male $ 19 - $ 100,000 40 year old male $ 33 - $ 250,000 40 year old female $ 60 - $ 500,000 40 year old female $ 29 - $ 250,000 30 year old male ALSO ... $ 109.86 - $ 500,000 40 year old male 20-year guarantee 