Little Known Facts About Life Insurance Policy For Smokers

Life Insurance

It is natural for you to develop health complications as you age but in recent years, people in their late twenties and thirties are getting diagnosed with terminal illnesses which often lead to hospitalizations and even untimely demise.

The reason is simple – even though the world population is slowly moving away from the habit of smoking like a chimney, there is still a huge chunk of the people out there that cannot shun the nasty habit.

On top of this, if you are a smoker and have plans to apply for a life insurance policy well, get ready to face rejections or pay a high premium amount.

With that stated, let’s take a quick look into some little known facts that smoker should know if they want to apply for a life insurance policy –

You can always choose no-exam life insurance policies

It is not all bad news for a smoker who wants to apply for a life insurance policy since renowned insurance companies now offer no exam life insurance for smokers.

The best part, these specialized policies come with a tobacco health class that allows you to have your hands on a policy that suits your needs and budget, easily.

Insurance companies have strict criteria to identify smokers

Insurance companies often identify applicants as a smoker –

  • If they have smoked cigarettes in the last 2 years
  • If they have used any smoking-related products in the last 12 months

So in case, you have had a puff recently, prepare for the consequences.

Health conditions that can affect your policy

It is best to keep in mind that the overall condition of your health is a major contributing factor when it comes to determining the premium rate you will qualify for while applying for a life insurance policy.

With that stated, when your insurance provider finds out that you are a smoker, the chances of your application getting rejected are sky-high.


Well, smoking increases your risk of contracting health complications thus rendering you a ‘high-risk’ case where the chances of the insurance provider offering a payout to your loved ones in case of your untimely demise are high. At the end of the day, the insurance company has set up shop to make money and not lose it.

Hence they might reject your application or ask for a high premium rate – it all depends on the internal policy of the insurance company.

Whether you take a puff once in a while or smoke like a walking-talking chimney, it is evident that down the road, your chances of getting diagnosed with any of the following health-related issues are pretty darn high –

  • Stroke
  • Type 2 diabetes
  • Coronary heart disease
  • Respiratory disease
  • Rheumatoid arthritis

With that stated, although you can get your hands on a no-exam life insurance policy pretty easily these days, it is strongly advised that you refrain from using tobacco products and if you already have this nasty habit, take measures to put an end to it right away.

It is evident that even though one might be a smoker, it is their responsibility to secure the future of the people that rely on him or her. This is the reason why smokers now prefer no-exam life insurance policies. In the end, the whole purpose is defeated when one fails to get their hands on the right policy. To keep yourself from such a situation, seek assistance from a reputed professional today!