{"id":403012,"date":"2024-06-24T18:13:16","date_gmt":"2024-06-24T18:13:16","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/life-insurance-for-smokers\/"},"modified":"2024-06-24T18:13:16","modified_gmt":"2024-06-24T18:13:16","slug":"life-insurance-for-smokers","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403012","title":{"rendered":"Life insurance for smokers"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><span style=\"font-weight: 400;\"> Whether you smoke now, are a former smoker, or plan to quit, you may have options when it comes to life insurance. <\/span><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><span style=\"font-weight: 400;\"> Term, whole life, guaranteed issue, and simplified issue may all be available to a smoker, but you can expect to pay higher premiums. <\/span><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><span style=\"font-weight: 400;\"> If you quit smoking, you can typically secure much better premiums after a certain period of time. <\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Can someone who smokes get life insurance?<\/h2>\n<p><span style=\"font-weight: 400;\"> Yes, you can still get <\/span> <span style=\"font-weight: 400;\"> life insurance if you smoke <\/span> <span style=\"font-weight: 400;\"> , chew tobacco, or vape. If you\u2019re worried there aren\u2019t life insurance products available to you, don\u2019t give up. Getting life insurance could be more expensive due to these habits, but you still have options available. Should you quit, you\u2019ll have more options and potentially lower premiums over time. <\/span><\/p>\n<h2>Smoker vs. non-smoker: comparing life insurance coverage<\/h2>\n<p><span style=\"font-weight: 400;\"> How does smoking affect life insurance <\/span> <span style=\"font-weight: 400;\"> rates? People who smoke \u2013 even only on rare occasions \u2013 pay more because smoking and tobacco use significantly increase the risk of dying at a younger age compared with people who don\u2019t smoke. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"> When you\u2019re classified as a smoker, you lower your chances of getting a lower premium rate or a higher death benefit. That said, there are still life insurance options available to smokers. Just know <\/span> <span style=\"font-weight: 400;\"> the average cost of life insurance for a smoker <\/span> <span style=\"font-weight: 400;\"> will be higher than for a non-smoker for the same amount of coverage. <\/span><\/p>\n<h2>How quitting smoking can impact your life insurance rates<\/h2>\n<p><span style=\"font-weight: 400;\"> The good news is that if you <a href=\"https:\/\/www.cdc.gov\/tobacco\/campaign\/tips\/quit-smoking\/index.html\" target=\"_blank\" rel=\"noopener\">stop smoking<\/a> to improve your health, you may also improve your life insurance options. Both policy options and premium costs may improve over time. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"> If you\u2019re looking for motivation to stop sooner rather than later, many insurance companies include a waiting period before you can be classified as a non-smoker. This waiting period is usually at least a year. Once you cross that waiting period, your rates could start to drop and reach those of a \u201cnever-smoker\u201d a few years after that. <\/span><\/p>\n<h2><strong> What types of insurance are available for smokers? <\/strong><\/h2>\n<p>If you\u2019re not ready to quit smoking, then you\u2019ll want to seek out the best life insurance for smokers. If you are a smoker but otherwise relatively healthy, there may be a range of life insurance options for you. If you do have serious smoking-related illnesses, you may still have options, but will likely have to pay higher premiums or have a smaller death benefit.<\/p>\n<h3><strong> Term Life for Smokers <\/strong><\/h3>\n<p>A <a href=\"\/life-insurance\/term-life-insurance\/\"> term life insurance policy<\/a> has a level premium and fixed death benefit. With a term policy, if you survive the term length set out in the policy, you\u2019ll need to apply for new coverage.<\/p>\n<p>If you plan to stop smoking now or recently stopped smoking, a term life policy may be a good option to consider. By the time your policy matures, it could be years since your last cigarette. If you\u2019ve been smoke-free for a prescribed number of years (usually at least 2-5 years), you can apply for a level term life insurance policy and likely get a much better premium for your term choice than you would if you were still a smoker.<\/p>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> Explore Fidelity Life\u2019s term life options<\/a>.<\/p>\n<h3><strong> Whole Life for Smokers <\/strong><\/h3>\n<p>A <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/whole-life-insurance-101\/whole-life-insurance\/\"> whole life insurance policy<\/a> is designed to last your entire life. While whole life premiums will generally be higher than rates for a term life policy, this is especially true for smokers. That said, your premium will stay the same for as long as the policy is in force.<\/p>\n<p>Whole life policies also accrue cash value over time, allowing you to borrow against them or withdraw the accrued value.<\/p>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> Explore Fidelity Life\u2019s whole life options<\/a>.<\/p>\n<h3><strong> Simplified or Guaranteed Issue <\/strong><\/h3>\n<p>If you\u2019re concerned you can\u2019t get or can\u2019t afford standard life insurance, you can opt for a no medical exam life insurance policy. The premiums may be higher and death benefits lower than an exam-based policy, but your protections are still guaranteed. You can feel confident a no exam policy offers important financial protections for your loved ones.<\/p>\n<p><a href=\"\/life-insurance-basics\/life-insurance-101\/simplified-issue-life-insurance\/\"> Simplified issue life insurance<\/a> and <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/guaranteed-issue-life-insurance\/\"> guaranteed issue life insurance<\/a> can also serve as a final expense policy if your age and health prevent you from getting a traditional life insurance policy.<\/p>\n<p>Simplified issue is one type of\u00a0 no exam life insurance for smokers. With simplified issue, you\u2019ll still need to complete a health questionnaire when you apply. <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Explore Fidelity Life\u2019s simplified issue options.<\/a><\/p>\n<p>Guaranteed issue doesn\u2019t come with any health requirements. It\u2019s typically a good fit for people whose age or health prevent them from buying other types of coverage. <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"> Explore Fidelity Life\u2019s guaranteed issue options.<\/a><\/p>\n<h2>Does smoking void a life insurance policy?<\/h2>\n<p>No. If you\u2019re honest about smoking on your life insurance application, smoking will not void a life insurance policy. It\u2019s important to be truthful about your smoking history on your application and <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/why-life-insurance-companies-test-for-nicotine\/\"> during your medical exam.<\/a>\u00a0Some <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/why-life-insurance-companies-test-for-nicotine\/\"> insurance companies may test for nicotine<\/a> during the application process to check if you\u2019re a smoker.<\/p>\n<p>What happens if you\u2019re not honest about your smoking and tobacco use when you apply? If you pass away during the contestability period (the year or two after your death) and your insurer finds out you were smoking or using tobacco products, then the policy may be void and your beneficiaries may not receive the death benefit.<\/p>\n<p>If you need help or have questions, talk to an agent who can help you find the best policy to meet your needs.<\/p>\n<h2>Finding life insurance for smokers is possible<\/h2>\n<p>If you\u2019re a smoker, don\u2019t give up on life insurance. Whether you want to stop smoking, have stopped smoking, or are struggling with your smoking history, life insurance can still play an important part in your financial health.<\/p>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Whether you smoke now, are a former smoker, or plan to quit, you may have options when it comes to life insurance. Term, whole life, guaranteed issue, and simplified issue may all be available to a smoker, but you can expect to pay higher premiums. If you quit smoking, you can typically secure [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life insurance for smokers - Fidelity Life<\/title>\n<meta name=\"description\" content=\"Life insurance for smokers will likely come with higher premiums, but successfully quitting can help lower your monthly costs.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life insurance for smokers - 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