Life Insurance for Smokers vs. Non-Smokers

Smoker by Valentin Ottone

Life insurance companies generally classify an applicant as a smoker if he or she has used and form of tobacco during the last 12 months. The difference in premium can be substantial.

In many instances, a smoker will pay double the cost for equivalent coverage than a non-smoker would.

Below is a look at the top life insurance companies at $250,000 of coverage for a 40-year-old male.

We have broken down five different forms of coverage: Term 10, Term 20, Term 30, Term 100, and 20-Pay life insurance.

You can get additional details by contacting us at 1-866-899-4849 or visiting our Instant Online Life Insurance Quote Calculator.

40-year-old Male $250,000	Monthly Premium Non-smoker	Monthly premium Smoker
Term 10	$21.15 RBC Insurance	$42.48 RBC Insurance
Term 20	$35.73 RBC Insurance	$84.60 RBC Insurance
Term 30	$61.20 Unity Life	$139.37 La Capitale
Term 100	$117.50 Manulife	$192.50 Manulife
Manulife 20-Pay	$204.13 Manulife	$276.05 Manulife

Life Insurance for Smokers vs. Non-Smokers

Smoker by Valentin Ottone