If you are a smoker or tobacco user, you likely already know that smoker life insurance companies charge a higher than normal premium as a result. In many cases, smoker life insurance can cost up to twice as much as the same policy for a nonsmoker.

Few Companies Accept Smoker Life Insurance

Most people don’t know that there are a few niche insurance companies that specialize in insuring cigarette and other tobacco users.

You Need Smoker Life Insurance

That’s right, if you need smoker life insurance and you use cigars, a pipe, chewing tobacco or nicotine other than cigarettes (patch, gum, etc.), there are some insurance companies that will give you a Non-Smoker or Non-Tobacco rate!!

Smoker Life insurance is a competitive marketplace, but most online insurance sites are not offering the best smoker or tobacco smoker life insurance rates available now, from companies like Cincinnati Life, Ohio National Life and Liberty Life.