How Much Is Life Insurance For A Smoker? 
Generally , the premium for term life insurance for people in their thirties and forties is three times more for tobacco users than for non tobacco users . The factor widens on older individuals . In recent years , a few innovative insurance companies have been offering non tobacco rates to cigar smokers and users of smokeless tobacco making their tobacco class rates effectively cigarette user rates . Celebratory cigar use e.g. once or twice a year at weddings , may even qualify at such innovative insurance companies for preferred non tobacco premium rates . 