Can I get life insurance with smokers and tobacco users?

Q: Can I get life insurance with smokers and tobacco users?

Usually yes. The question is which underwriting path applies: level benefit, graded benefit, or guaranteed issue. Half of the policies placed in this book were for tobacco users, including placements at level benefit rather than graded. Outcomes are determined by the insurance company's underwriting.

Life Insurance for Smokers

Answer five quick questions and a licensed agent will come back with the options you actually qualify for. No medical exam, no obligation.

What are you looking to cover?

What actually decides this

With smokers and tobacco users, the question is almost never "can I get covered" — it is which underwriting path you qualify for. There are three, and they are very different:

Level benefit — full death benefit from day one. Needs the cleanest health answers.
Graded or modified benefit — pays a reduced amount if death occurs in the first two to three years, then the full amount. This is where most managed conditions land.
Guaranteed issue — no health questions at all. Has a waiting period for natural causes, and costs more per dollar of coverage.

An independent agent's job here is to know which carriers put smokers and tobacco users on which path before an application is submitted, because a decline leaves a record and makes the next attempt harder.

From policies this office has actually placed: Half of the policies placed in this book were for tobacco users, including placements at level benefit rather than graded.
Describes prior applications only. It is not a prediction, a quote, or a guarantee about your application, and every outcome is determined by the insurance company's own underwriting.

What you need to have ready

Your date of birth and the state you live in
A list of current medications and the conditions they treat
Any hospitalisation or surgery in the last two years
Whether you have used tobacco or nicotine in the last twelve months
Who you want the money to go to

No paramedical exam is involved in this product line. Most applications are a conversation and an electronic signature, and the carrier returns an underwriting decision rather than a salesperson's opinion.

By state

Other situations we place coverage for

Licensed for life insurance in Arizona, Arkansas, Iowa, New Hampshire, Wisconsin. If you are outside these states we cannot write your policy and will tell you so rather than take your information.