Smokers Term Life Insurance Quote

What you need to know about tobacco/nicotine use... especially why premiums vary company to company.

If you use nicotine in any form certain companies will classify you as a nicotine/tobacco user, a smoker, regardless of the type of use. But selected competitive companies make exceptions for cigars, chewing tobacco, pipes, smokeless tobacco, nicotine gum or a patch to quit. So the key is to find the company that offers the lowest premium for your tobacco/nicotine use. Cigarette smokers will find premiums vary widely company to company depending on health and habits.
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Cigar Users Qualify for Non-Smoker Premiums

ChoiceQuote^SM has selected companies that classify cigar users as non-smokers. Some companies further require that cigar use be infrequent, 1-2 per month and that laboratory results during your insurance examination do not show nicotine traces (traces may show if cigars use in the prior 10-20 days).
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Pipes, Chewing Tobacco, Patch

A few companies do not classify pipes, chewing tobacco or the patch users as smokers. CQ will find the better buys for you when you tell us in the QuickQuote section of your type use.
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Quit Cigarettes but still overpaying?

Selected companies require that smokers be cigarette free for 2,3, even 5 years tobacco. ChoiceQuote^SM will find the few leading companies that classify you as a non-smoker if you quit cigarettes over one year ago.
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Other personal history is always an underwriting criteria — such as high blood pressure, elevated cholesterol or cancer.

Questions? See our Frequently Asked Questions. If you don't find the answer, e-mail us at info@choicequote.com, or call us at 1-800-778-2001.