How Much More Is Life Insurance For Smokers? 
Unfortunately , smokers or tobacco rates as it is known in life insurance is expensive . The average life insurance company will increase premiums 2 or 3 times that of a non-tobacco user with equal health risk . . Please keep in mind that you may receive tobacco rates for cigarettes , cigars , chewing tobacco or dip snuff , marijuana , vapor cigs , nicotine patches and nicotine gum . You need to be nicotine free for at least one year with most life insurance carriers in order to qualify for non-tobacco rates . There are a few carriers that will consider non-tobacco rates on a person that smokes an occasional cigar , usually less than 12 per year , but you still must be nicotine free when applying . Be sure to research those procedures . 