Request A Free Life Insurance Quote Today!

All rates are subject to underwriting approval. By pressing the "Send Email" button, you agree to Buy Life Insurance For Burial's privacy policy, and consent to a licensed agent of Buy Life Insurance For Burial to contact you at the phone number(s) you provide. We will not share your information with another entity.

Best Burial Insurance For Tobacco Users

Best Burial Insurance For Tobacco UsersLooking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In Today’s Article I’ll Discuss How To Find The Best Burial Insurance For Tobacco Users

Since getting my life insurance license in 2011, I’ve met thousands of tobacco users. And many of these smokers worry about the price they will pay for their burial insurance.

However, while tobacco usage causes higher prices, working with the right agent minimizes the actual price you’ll pay for your burial insurance. Who wants to pay more than necessary, right?

Here’s what we’re going to discuss in today’s article.

First, we’ll talk about qualification concerns tobacco users faces when searching for affordable burial insurance.

Next, we’ll discuss examples where tobacco use could qualify for rates non-smokers pay. Read below to discover if you may qualify for non-smoker rates.

Here’s An Overview Of Today’s Topics:

Tobacco Users – Avoid These Burial Insurance Products!

David Duford 5 top strategies when buying burial insurance

First things first. Make sure when getting a quote for burial insurance that you avoid “guaranteed acceptance life insurance,” or “no-questions asked life insurance.”

While premiums may seem competitive, the truth is those plans do not give first day full coverage. What does this mean? If you die within the first two years of the policy, your beneficiary does not receive the full death benefit.

Actually, the beneficiary only receives premiums paid back plus interest. That’s horrible!

Look at it this way. If you die of natural causes twelve months into your guaranteed acceptance life insurance plan, your beneficiary may only receive several hundred dollars back. And this is not enough to properly pay for a burial.

What should you do? Make sure that you work with a broker.

Brokers shop a variety of competitively-priced burial insurance companies. This gives you much better odds at both high-quality, full-coverage burial insurance, all at a competitive price.

What If I Smoke And Have COPD?

How to qualify for burial insurance with COPD

Those with a COPD lung diagnosis could qualify for first-day full coverage with some burial insurance companies

Those with a COPD lung diagnosis could qualify for first-day full coverage with some burial insurance companiesSometimes, smokers have a COPD diagnosis. Moreover, they are concerned their diagnosis eliminates eligibility for quality insurance.

Here’s the good news. When working with a broker, you can commonly find first-day full coverage. Even if you have a diagnosis of COPD, bronchitis, emphysema, or lung disease.

Unfortunately, many companies you see on TV and in the mail force you to wait two years before fully protecting you against natural causes of death. Increase your chances of avoiding this and work with a broker.

What If I Smoke Cigars?

Historically, cigar smokers have an easier time of qualifying for life insurance coverage than smokers. While not always the case, cigar smokers can qualify for preferred non-tobacco rates more often the not.

At Buy Life Insurance For Burial, we work with carriers that rate cigar usage at non tobacco rates.

In many circumstances, we have saved clients hundreds of dollars a year on their life insurance. How? Because we work with carriers that view cigar smokers as having less serious health consequences, compared to cigarette users.

Also, frequency of cigar smoking doesn’t matter. Moreseo, the cigar smoker can smoke daily, and he’ll still qualify for non-smoker rates.

What If I Dip Or Chew Tobacco?

Perhaps it’s because I live in the Southeast, but I commonly run into people who chew tobacco or dip snuff. And many worry they cannot afford higher premiums associated with tobacco usage.

Luckily, insurance carriers rate chewing and dipping like cigar usage. Both are considered non-smoker rates with several insurance companies.

How To Secure The Best Rates For Tobacco Users

You can still qualify for burial insurance even if you are tobacco user

First, make sure you’re working with a broker. This gives you the most assurance you’re getting the best price for your burial insurance as a tobacco user.

Second, pricing for burial insurance on smokers range wildly. I’ve seen pricing differences on burial insurance premiums of $40 to $50 a month. And these are for identical plans.

Burial Insurance Rates, Age 40 to 90*


Rates For $5,000 In Burial Insurance


Rates For $10,000 In Burial Insurance



Rates For $15,000 In Burial Insurance



Rates For $20,000 In Burial Insurance



Rates For $25,000 In Burial Insurance


*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

David Duford, owner of buy life insurance for burial with his twin girls

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

What’s The Reason To Pay More Than You Have To?

If you’re interested in learning more about what burial insurance options you can qualify for as a tobacco user, please request a quote, or give us a call. We’re happy to help!


We work with individuals across the nation to secure the best life insurance rates.

This entry was posted in Uncategorized. Bookmark the permalink.

1 Comment

[…] most common kidney problem we see is end-stage renal failure requiring dialysis. This means your kidneys cannot function alone, and you require the assistance of a dialysis clinic […]

June 4, 2018 at 2:15 pm
Leave A Reply