Smoking doesn't disqualify you from final expense insurance. It simply moves you into the 'tobacco' rate class, which is typically 25–50% higher than non-smoker rates. Coverage, plan types, and benefits are otherwise identical.
Current smokers, cigar users, chewing tobacco users, and vape users all qualify for coverage ages 50–85 on simplified-issue or guaranteed-issue plans.
Standard rates apply — you just pay the smoker premium.
For smokers with additional health conditions.
No health or tobacco questions — same rate for smokers and non-smokers.
On simplified-issue plans, yes — the carrier can verify with a lab test. On guaranteed-issue plans, no health or tobacco questions are asked.
Typically 25–50% more than non-smoker rates. On a $10,000 policy, that might be an extra $10–$25 per month depending on age.
Free comparison from carriers matched to your profile.
Free · No obligation · Licensed agents in all 50 states