If you smoke (or use any tobacco products), you can absolutely get final expense insurance. Every carrier offers tobacco rates. The question isn’t whether you can get covered — it’s how to get the best possible rate as a smoker.
I’m Michael Cubell with Triangle Life & Health, and I work with smokers regularly. Here’s what you need to know about rates, carrier differences, and how to save.
Smoker vs. Non-Smoker Rates — What’s the Difference?
Let’s look at the real numbers. Here’s a comparison for a $15,000 final expense policy:
| Age | Non-Smoker | Smoker | Difference |
|---|---|---|---|
| 55 | $38/mo | $48/mo | +$10/mo |
| 60 | $48/mo | $62/mo | +$14/mo |
| 65 | $62/mo | $82/mo | +$20/mo |
| 70 | $80/mo | $108/mo | +$28/mo |
| 75 | $105/mo | $145/mo | +$40/mo |
Yes, smokers pay more — but the difference is often less dramatic than people expect. And the coverage is identical: same permanent policy, same death benefit, same guarantees.
What Counts as “Tobacco Use”?
Carriers define tobacco use differently, but generally these all count:
- Cigarettes
- Cigars
- Chewing tobacco / dip
- Vaping / e-cigarettes
- Nicotine patches or gum (in most cases)
- Pipe tobacco
Most carriers ask if you’ve used tobacco in the last 12 months. If you quit more than 12 months ago, you may qualify for non-tobacco rates — which is a big savings. Some carriers use a 24-month lookback period.
How to Get the Best Rate as a Smoker
- Compare multiple carriers — tobacco rate differences between carriers can be significant. Some carriers are much more competitive for smokers than others.
- If you’ve quit, mention it — if you quit 12+ months ago, you may qualify for non-tobacco rates
- Apply now, don’t wait — rates go up every year. A 60-year-old smoker pays less than a 65-year-old smoker for the same coverage
- Consider slightly less coverage — if the premium feels high, a $10,000 policy might be a better fit than $20,000
- Use an independent agent — I can find the carrier with the best tobacco rates for your age and health
The Bottom Line
Smoking doesn’t disqualify you from final expense insurance — not even close. You’ll pay a bit more, but you’ll still have affordable, permanent coverage that protects your family from funeral costs and other end-of-life expenses.
Call (919) 944-8443 or schedule a free consultation and I’ll show you exactly what you’d pay — no obligation.