How Much More Does A Smoker Pay For Life Insurance? 
Typically , cigarette smokers will pay about 3 times the premium of a nonsmoker . If table rated , the difference could be higher , partly because of the pricing structure , partly because the insurance company may determine that smoking makes that person much more of a risk due to his/her health condition . If regularly using tobacco other than cigarettes , there are a handful of companies that will charge nonsmoker rates -LRB- but not preferred nonsmoker -RRB- . These run about half of smoker rates . If an occasional cigar user , some companies will rate preferred nonsmoker . 