Can I get life insurance if I smoke?

Key details about life insurance

Some carriers offer more favorable rates for occasional or social smokers (like cigar or vape users) compared to regular cigarette smokers, so it's worth clarifying your specific habits when applying.

If you quit smoking, some insurers let you apply for a rate reclassification after a required tobacco-free period, which can lower your premium going forward — ask how your insurer handles this.