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Life Insurance for Former Smokers

Life Insurance for Former Smokers

Looking 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.

Are you a former smoker and have some questions and concerns about life insurance? We’re here to help. Former smokers can be eligible to qualify for life insurance at superior rates despite a history of smoking cigarettes, cigars, tobacco products, and/or vapor devices.

Most likely, you’re here because either yourself or a loved one has smoked at some point in life. Maybe you’re wondering if that decision will have an impact on your eligibility for life insurance and the ability to get a low price for your coverage.

If This Describes Your Situation, This Article Will Serve As An In-Depth Resource About How You Stand To Get A Better Price For Life Insurance Coverage With A History Of Smoking

(However, this does not apply to current smokers/tobacco users)

To determine your insurability as a former smoker and whether or not we can look at non-smoker rates. it depends on the length of time since you’ve quit smoking. We’ll also look at the most common reasons to own life insurance. We’ll talk about how much you need and what we recommend as life insurance professionals.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

If it’s applicable, we’ll talk about strategies to get you the best coverage as a former smoker. Then we’ll end by discussing some of the most common types of life insurance that people search for based on their particular factors that may affect insurability.

Here’s An Overview Of Today’s Topic:

We’re waving goodbye to judgement

Great news for non-smokers: life insurance companies are become more forgiving on pricing based on the length of time that somebody has quit smoking. Many people think that since they were smokers, companies will hold them accountable in a way that could possibly negatively affect their pricing.

This is not entirely true.

While there is some variation between companies, brokers like us as Life Insurance for Burial shop around and try to find the best price and coverage for our clients for what they want to pay.

Smoker vs. Non-smoker

One of, if not the most important element of your application will be if you are identified as a smoker or non-smoker. Of course, other questions will determine your eligibility. The questions will help see whether or not you’ll be approved for coverage depending on the length of time since you’ve quit smoking.

Life Insurance Options for former smokers

Many applications ask about different lengths of time. There are some life insurance applications they’ll ask, has it been longer?(??) Some will ask if you’ve smoked within the past 12 months, or the past 24 months, or up to within the past 3-5 years. How you answer these questions will ultimately determine your rating as a smoker versus non-smoker.

Sometimes if a person has quit smoking for longer than a year, they’ll only be offered a maximal amount of coverage through a standard smoke non standard plus rate(??). However, a longer period of time since quitting may give you, with certain companies, the chance at preferred plus rates, assuming the rest of your health is good.

Other companies, as long as you answer yes to not smoking within the past 12 months, will qualify you for preferred coverage. The truth is that company offers are widely based on a perspective on smoking.

Not all companies agree on the details, which makes it important that when talking to a broker or agent like us here at Buy Life Insurance for Burial, you clarify how long it’s been since you’ve smoked, along with all other information necessary.

We do the groundwork for you to shop around to see which company is going to give you the best overall rate considering the length of time it’s been since you’ve quit.

Nicotine vs. Tobacco

Additionally, life insurance companies will ask you whether or not you’re using any type of smoking cessation product. This will be commonly thought of as a product that still allows you to have nicotine use. The other most common products help you stop smoking tobacco.

Most life insurance companies base the question of rating smoker vs. non-smoker depends more on your experiences with nicotine rather than with tobacco.

What you’ll experience, most likely, is that if you have a history of nicotine use, even in the form of Nicorette Gum, Chantix, or an e-cigarette, you will still be rated as a smoker even if you haven’t smoked back on(??) years.

What difference is there between using nicotine products versus tobacco? Some of you reading this used to smoke, but the type of tobacco you smoked were more often cigars, cigarillos, pipe smoking, or chewed tobacco.

What is your eligibility for life insurance rates considering that history? Good news: generally speaking, certain companies tend to treat those types of tobacco use not as tobacco rates, but as non-tobacco rates. Companies offer better rates for these clients because medically, the use of tobacco products doesn’t cause as severe issues as cigarettes (nicotine) do.

At least, that’s what’s in the minds of the underwriters.

We can help–if you smoke cigars or pipes, chew tobacco, or use cigarillos–we will shop around for the best price for your coverage that’s better than what you otherwise would find. health corp smoking(??) does have an impact on your health. And even if/when you quit, there may be lasting health issues.

At Buy Life Insurance for Burial we strive to help clients like you get low-cost insurance to cover things such as income replacement, retirement, and final expenses like burial and cremation. 

Our job is to give you peace of mind in knowing your loved ones will be taken care of should you pass away sooner than expected. Get started today by getting your free quote.

It takes 10 minutes or less by calling 888 626-0439 or you can submit a request online and we will contact you with more information. 

Top 10 Reasons Why People Buy Burial Insurance

1.Rates are affordable
Working with a specialized broker like us at Buy Life Insurance for Burial means we are able to shop the most competitive companies on the market in order to custom tailor the price to whatever your budget is.

If you are someone who is on a fixed income or know somebody who is looking for insurance who is on a fixed income and want a reasonably priced product to protect against final expenses, a burial insurance policy is the perfect solution.

2.You love your family
The biggest motivation people have for buying burial insurance is that they don’t want their kids or spouse left with any sort of burial or cremation expense. Either you’ve seen it in your life or heard about how expensive it is to take care of final expenses. You don’t want that sort of expense left to your family because you don’t want their last thoughts about you to be one of contempt or frustration.

A burial insurance policy can easily solve that problem and give you the comfort in knowing your final expenses will be taken care of.

3.Peace of mind
Peace of mind is really the primary outcome of buying a burial insurance policy. Once you know you are protected and that your final expenses are covered you don’t have to worry anymore about who is going to pay for your funeral or your cremation.

You can rest assured that as long as you pay your premium you will have coverage in place and it will do its job when necessary.

4.Cannot outlive
Unlike a lot of other plans out there such as term life insurance, a burial insurance policy properly designed is designed to never cancel due to age or health. Simply put, all you need to do is pay your premiums on a monthly basis and your protection covers you no matter how long you live.

5.Cash value
For some folks cash value is an important element of the insurance policy. After significant time has passed and premiums have been paid in you are allowed to borrow a portion of the money you put into the plan for whatever reason, such as an emergency expense or something like that.

6.Protect savings
A lot of people buy a burial insurance policy because they have saved up an amount over time that they want specifically left behind to their children and they buy a burial insurance policy to cover that portion of funeral expense that would otherwise come out of savings.

This protects your savings from the potential to be abused by final expense services and allows for a designated policy amount to take care of those final expenses so that you know exactly what is going where.

7.Escalating final expense costs
Many people purchase a burial insurance plan because they understand that inflation has caused funeral expenses to rise dramatically over the past 20 years. In fact if you look back 20 years ago the average expense for a burial was $6,500. Now, as of 2018, that price has risen to $8,700. That’s a dramatic increase over such a short period of time and in all likelihood that increase will continue as time progresses.

A burial insurance plan does a great job of covering those expenses and helps you offset any sort of inflationary effect.

8.No exam
One of the greatest things about a burial insurance plan is that they are designed to not require an examination to get an approval. In many cases all we need to do is simply submit an application, allow the companies to review your medical history and then issue a decision. In some circumstances we can get an instant decision literally on the same day.

Other times it just takes a few days. Only in rare circumstances does anyone have to take an exam and have to go through a multi-week process to see if they are approved. It’s usually very quick and to the point.

9.Rates never increase
With a burial insurance plan, if you buy the kind that has a whole life insurance element to it your rates are guaranteed to never increase due to age and health. This is great for those on a fixed income that want the assurance in knowing they have some kind of coverage in place where they don’t have to worry about the dreaded rate increases so many other companies such as AARP or Globe Life have with their insurance plans.

10.Custom tailored policy
Everybody is unique and individual, therefore your burial insurance should be specific to you too. A good life insurance agent will tailor your burial insurance plan to specifically be designed to fit your budget and your goals.

Whether that’s to just have enough for a simple cremation or to have a significant amount left behind to cover for a nice funeral. Burial insurance plans can be custom tailored to whatever your goals are, so rest assured you can get the plan exactly as you like it.  

Health History: What They’ll Want to Know

Expect your life insurance company to ask you a litany of health history questions. These questions include, but aren’t limited to asking if you have or ever have had:

  • Lung diseases
    • Emphysema
    • Chronic bronchitis
    • Asthma
  • Heart/circulatory diseases
  • Diabetes
  • Liver diseases
  • Kidney diseases
  • Cancer
  • Mental health diagnoses
  • Neurological diseases
  • Hospitalizations
  • Oxygen use
  • Recent surgeries

Health plays a major role in your eligibility in the eyes of many underwriters. If there’s a history of smoking, you should make sure that your lung health and circulatory health is good. Smoking has a direct impact on both.

Your age also has an effect your eligibility for life insurance. The older you are, you generally end up paying more. However, we can circumvent some of this by working with a broker, as we mentioned earlier, where we have the opportunity to shop around to try to find the best price and coverage for you.

How does weight impact your insurability? The heavier you are, the higher the likelihood you’ll pay more for your coverage, but each company looks at weight differently. You may find opportunities for a better price with a broker like us at Buy Life Insurance for Burial.

Insurance companies will also want to know about your lifestyle. For example, they will want to know if you have a history of DUIs and/or traffic violations, and what is your credit history. What are your hobbies and jobs–make sure you’re fully transparent because it will have an impact on your level of insurability.

If you like what you’ve read so far and are interested in seeing what you may qualify for regarding life insurance or burial insurance, give us a call at 888 626-0439 get your free, no obligation quote today.

Speak to a knowledgeable representative who can answer any questions you might have and provide the information you need to get started with the application process. 

You can also get in touch via our messaging system. Simply include your contact details and any questions you might have. 

Case Study Examples

Business Owner with Diabetes

A middle aged woman recently called us to say she was looking into getting a loan to grow her business. The bank required that she get life insurance to cover that loan should she die before the loan was paid off. 

This woman was in fairly good health with the exception of having diabetes. She had to take insulin every day to regulate her blood sugar and was concerned this would mean she would be declined for coverage.

Thankfully because we are brokers at Buy Life Insurance for Burial we were able to shop with companies that would take on her specific application at a reasonable price. She was very pleased with the options we provided and was able to get first day coverage at a rate she could afford in order to get her business loan.

While we can’t guarantee the same outcome for everyone, we do our very best to find comprehensive coverage for every client that contacts us. 

Why should you own life insurance?

The top 5 reasons to purchase a Life Insurance Policy

You’ve decided that it’s important to get life insurance, and you may have tried to obtain it, but you’re seeing that you’re most likely going to be charged a smoker rate. But you know that you need life insurance.

Let’s talk about the primary reasons why people decide to own life insurance. They wish to take care of their financial and insurance concerns. You should figure out what yours are so you can better understand, justify, and crystallize why life insurance is a good purchase.

Commonly, people buy life insurance to replace income. Imagine dying and your family not having the money that you earned. How would they subsist? Would they have to lower their lifestyle?

Most likely, yes. A life insurance plan can provide a lump sum death benefit to your loved ones to help them live the best life they can after you have passed on. It can be used to cover of debts like mortgages and loans. It is one of the most popular reasons people buy life insurance.

It’s a horrible thought, having the responsibility of a mortgage placed upon a loved one on top of this sorrowful event. Many people who die or become disabled end up losing their home because they didn’t/don’t have the financial power to pay for the mortgage.

You can buy a life insurance plan, which will pay your beneficiary, typically your spouse or kids. It can be used to take care of the mortgage, either by paying it off or having money on hand to make the payments. Then, thankfully, you will not be forced out of your home.

Ultimately, life insurance is leaving a legacy of love. It takes care of the people you love the most, your friends, family, spouse. It helps make sure that their lives aren’t burdened further after your death.

Life insurance is a strange product. You can’t touch or feel it, and the benefit that it provides usually only comes about after death. It takes a certain kind of person to buy a life insurance product, and most do it because they have people they love they want to help after they pass on.

Story from the field

The following story demonstrates the consequences of not working with a broker when it comes to purchasing life insurance:

Early on in my career I met a woman named Anita. Her story was one that was hard to forget. Miss Anita lived in a house with a pink mailbox and a pink Cadillac parked in the drive.

As if that wasn’t enough to get my attention, the story she would share with me would be truly memorable. 

Miss Anita was a survivor of Hurricane Katrina. She’d survived by swimming through the French Quarter on the back of a casket all the way to the I-pass where she was rescued by FEMA workers. 

When she caught a plane out of town a few days later, it was none other than Al Gore who was her pilot. He’d heard about her harrowing survival story and wanted to personally get her to safety in Tennessee.

The important thing to note in this story is that Miss Anita had life insurance for $8,000 in coverage at a rate of $250 a month. When I heard this number I was blown away. There was no reason why she needed to pay so much.

Her health was good, no chronic issues, no heart problems or major surgeries. After doing some research I found that I could save her $1,800 a month on her life insurance.

To say she was happy is an understatement. Miss Anita, like so many older citizens, had been taken advantage of. She thought she had quality life insurance, but didn’t realize she was overpaying for that coverage each month.

Buy Life Insurance for Burial was able to give Miss Anita a true advantage. Because we are a broker company, we were able to shop around for the best pricing and coverage, saving her a huge amount in the long run.

While I can’t guarantee everyone first day full coverage, I can promise to do my best to find you affordable, quality coverage that meets your budget and coverage needs.  

I hope this information has proven useful to you. Regardless of your current situation and insurance goals, we can help. 

Call us direct at 888 626-0439 now to speak to one of our friendly life insurance experts who will tell you specifically what your life insurance options are, how the program would work for you, as well as what your monthly payments might be.

It takes less than 10 minutes and there is no obligation to buy anything.

If you prefer to message us, we can get in touch within 24 business hours with a free quote and more information regarding what your premiums might look like. 

Thanks for reading and be sure to give us a call. We look forward to speaking with you more about your life insurance needs.     

How much life insurance do you need?

Understanding Life Insurance Premiums - former smokers

The first thing we have to do is to establish what your goals are for having life insurance. If your goal is to replace income and to take care of final expenses such as your mortgage, debt, or burial costs, a good rule of thumb is to use the 10x rule.

The 10x rule is that you take your annual income and multiply by 10 to calculate a death benefit coverage amount that does a suitable job taking care of final expenses. These are usually high amounts you’d otherwise have to pay if you didn’t have the life insurance.

We like to operate with the 10x rule here at Buy Life Insurance for Burial. It keeps things straightforward, and it allows us to try to get the most coverage for you for the least amount.

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.

Strategies to get the best price as a former smoker

Let’s review: work with a broker. Shop around to try to find the best price and  coverage for your life insurance. The last thing you want to do is pay more than necessary.

Owner of David Duford

Thanks for reading, and I 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!

As a smoker or a former smoker, you’ve risked having to pay out of pocket more than you anticipated to take care of your coverage depending on which company you use.

Again, some companies are more liberal when it comes to looking at how long it’s been since you’ve smoked. Others are tighter and more conservative. You want to work with the broker that can establish what the best deal will be with the best type of company.

By working with a broker, it might save you hundreds (if not thousands) of dollars a year, depending on what kind of life insurance you ultimately end up purchasing.

A broker will respect your budget. You have to know what your budget is when you look into life insurance.

So… what do you want?


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

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