According to the Centers for Disease Control and Prevention, around 14% of American adults currently engage in cigarette smoking. Even if the number of individuals who smoke cigarettes every day has been decreasing over the years, it is still above 30 million.
The majority, if not all, of these individuals have pressing needs for which
You can still receive
Life Insurance Companies
These are the top
Each of these insurers excels in one respect or another, whether it is an unusually broad selection of coverage options or preferential treatment for former smokers. What makes our recommended
Mutual of Omaha is the best overall.
Due to the fact that it does not automatically assess smoking status for certain types of policies, Mutual of Omaha is our recommended
To be more specific, if you’re looking for a policy to cover last expenditures, and the death benefit you’re seeking is $40,000 or less, your smoking habit won’t affect your premiums, and neither would a medical checkup. This policy is
Mutual of Omaha offers both term
Life Insurance is the best option for no medical exam coverage.
If you smoke or use tobacco products but still want
We provide no-medical-exam eligibility for up to $200,000 in term life and $50,000 in whole life coverage. Additionally, there is no coverage lapse, which is especially helpful for people with preexisting conditions.
Keep in mind that your premiums will increase or you might be denied coverage altogether if you have a smoking history or any of the recognized smoking-related health issues, such as heart disease or COPD. Supplemental options:
- Premiums for adults in pristine health start at only $4 per month.
- Shop online or talk to a local agent to get covered.
- Submit an application for mortgage protection insurance, accidental death insurance, and children’s
John Hancock is the best option for smokers who are otherwise in good health.
While John Hancock is concerned about your health, he understands that smoking may prevent you from being at your best. The benefits offered by the company’s free Vitality GO rewards program are as follows:
- Fitness wearables are on sale.
- Prices reduced on fresh, healthful groceries
- Individualized resources for maintaining a healthy lifestyle
- REI, a provider of recreational gear and clothing, is offering discounts.
For an additional $2 monthly, you may upgrade to Vitality PLUS and receive:
- A reduction of 25% in your monthly premium for making healthy lifestyle choices that meet certain requirements.
- Deeper price cuts on athletic apparel and nutritious meals
- One free year of the popular meditation software Headspace
Life Insurance is the best option for marijuana users.
To the contrary, Fidelity Life is unusually accepting of cannabis users who don’t engage in high-risk activities while under the influence of cannabis, such as driving under the influence or smoking at excessively high rates.
If you’re young and healthy, you may get up to a million dollars in term
AIG is the best option for tobacco users who do not smoke cigarettes.
If you use tobacco or nicotine but don’t smoke cigarettes or use e-cigarettes, AIG is a fantastic option for your
In this establishment, you may obtain the same bargain as a person who never uses tobacco or nicotine if you simply smoke cigars or chew tobacco sometimes.
Life Insurance is the best option for term life insurance.
Haven Life provides affordable multi-million dollar term
Haven does provide no-exam insurance to smokers, albeit the policy limits and premiums may be less attractive to them. By upgrading to Haven Plus, you’ll be eligible for free secure online document storage from LifeSite, a free membership to the fitness app Aaptiv, and free last will and testament revisions from Trust & Will for a whole year. Supplemental options:
- You can apply for a term
life insurancepolicy until you’re 64 years old.
- Up to $500,000 in coverage with no medical exams required
- Up to a 20 year term with no exams
New York Life is the best option for whole
If you’re a smoker looking for permanent whole
You may still apply for
- In the case of a normal whole life policy, the death benefit is guaranteed.
- Access to premiums for a limited time period, or the choice to pay extra for a tailored whole life policy
- With the Spouse Paid-up option, your spouse can utilize the money from your insurance’s death benefit to buy their own coverage without undergoing a medical exam.
- Scores in the highest quartile for financial stability
Can You Get
Life Insurance Without a Medical Exam If You Smoke?
Yes, however your coverage choices will be restricted and your eligibility for insurance will likely be low. You’ll still have to answer health history questions, and you can get turned down for coverage if your answers raise red flags.
You should consult with a licensed insurance agent or
How to Choose the Best Smokers
Life Insurance Company
You won’t be denied
Find insurance that meets your requirements and price range for the next best thing. You may want to consider a 30-year term
And if you’re in a position to wait before getting