life insurance quotes

Life Insurance Quotes

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Tobacco Usage

Tobacco usage plays a major role in determining your life insurance premium. Premiums for tobacco users are often two or three times that for non-smokers.

From an old Phillip Morris' Web site: "Cigarette smoking causes lung cancer, heart disease, emphysema and other serious diseases in smokers. Smokers are far more likely than non-smokers to develop diseases such as lung cancer. There is no such thing as a 'safe' cigarette."

Underwriting Example
This table lists the lowest annual premiums, at the time of publication, for $250,000 of 10 year term insurance for super-preferred males.

We update the database every month, so to get the most current rates, just click on the link of your choice.

Annual Premium
Age Non-Tobacco Tobacco
25 $110 $280
35 $115 $287
45 $210 $657
55 $450 $1,355


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Life insurance quotes updated December 6, 2019