Video
Smoking and life insurance
If you smoke, you might assume life insurance is out of reach - but the truth is, you still have options. Whether you use tobacco, vape, or cannabis products, there are coverage types that may work for your situation and your budget. In this video, we’ll walk through what to consider when applying for life insurance as someone who smokes - from understanding coverage types to knowing when and how to apply. You’ll also learn why it’s important to be honest during the process and how quitting down the line could help reduce your rates.
December 10, 2025
1 min and 57 sec watch
00:02:08 - 00:06:05
If you smoke, you might wonder, can you still get life insurance?
00:06:59 - 00:09:55
The good news? Yes, you can.
00:09:55 - 00:14:27
Many providers offer coverage options designed specifically for people who smoke.
00:14:26 - 00:18,94
No matter the product use, there are policies out there that may fit your needs.
00:19:39 - 00:22:86
Figuring out life insurance when you smoke can feel overwhelming.
00:23:44 - 00:27:69
A lot of people just don't know where to start. Let's take a closer look.
00:27:69 - 00:31:49
One of the biggest questions people have is what kind of coverage to consider.
00:32:74 - 00:38:37
There are two main types of life insurance: Whole Life and Term Life.
00:38:37 - 00:43:25
Whole Life lasts your entire life and builds cash value over time.
00:43:63 - 00:47:80
Term Life lasts for a set number of years and usually costs less.
00:48:55 - 00:52:51
For many smokers, Term Life is often a smart starting point.
00:52:51 - 00:55:35
It often costs less than Whole Life and is flexible.
00:56:60 - 01:01:07
Some policies require a medical exam, which may detect which product you use.
01:02:56 - 01:05:73
If that's not for you, consider no exam policies.
01:06:48 - 01:11:95
They're fast, flexible, and often skip questions about product use.
01:12:24 - 01:14:74
Always be honest on your application.
01:14:74 - 01:17:83
Not disclosing smoking could cancel your policy later.
01:19:75 - 01:22:75
Some people wait to apply until after they quit,
01:23:29 - 01:26:59
but that can lead to higher costs or lost opportunities.
01:27:71 - 01:32:55
If you quit later, you may be able to update your policy and lower your rates.
01:33:18 - 01:35:93
And here's where flexibility matters.
01:35:93 - 01:41:10
Life insurance is available at a range of price points, even if you smoke.
01:41:10 - 01:46:56
The important thing is taking that first step on your terms, in your time.
01:46:56 - 01:48:73
Curious what your options could look like?
01:48:73 - 01:51:69
Explore and get answers at www.trustage.com.
If you smoke, you might wonder, can you still get life insurance?
00:06:59 - 00:09:55
The good news? Yes, you can.
00:09:55 - 00:14:27
Many providers offer coverage options designed specifically for people who smoke.
00:14:26 - 00:18,94
No matter the product use, there are policies out there that may fit your needs.
00:19:39 - 00:22:86
Figuring out life insurance when you smoke can feel overwhelming.
00:23:44 - 00:27:69
A lot of people just don't know where to start. Let's take a closer look.
00:27:69 - 00:31:49
One of the biggest questions people have is what kind of coverage to consider.
00:32:74 - 00:38:37
There are two main types of life insurance: Whole Life and Term Life.
00:38:37 - 00:43:25
Whole Life lasts your entire life and builds cash value over time.
00:43:63 - 00:47:80
Term Life lasts for a set number of years and usually costs less.
00:48:55 - 00:52:51
For many smokers, Term Life is often a smart starting point.
00:52:51 - 00:55:35
It often costs less than Whole Life and is flexible.
00:56:60 - 01:01:07
Some policies require a medical exam, which may detect which product you use.
01:02:56 - 01:05:73
If that's not for you, consider no exam policies.
01:06:48 - 01:11:95
They're fast, flexible, and often skip questions about product use.
01:12:24 - 01:14:74
Always be honest on your application.
01:14:74 - 01:17:83
Not disclosing smoking could cancel your policy later.
01:19:75 - 01:22:75
Some people wait to apply until after they quit,
01:23:29 - 01:26:59
but that can lead to higher costs or lost opportunities.
01:27:71 - 01:32:55
If you quit later, you may be able to update your policy and lower your rates.
01:33:18 - 01:35:93
And here's where flexibility matters.
01:35:93 - 01:41:10
Life insurance is available at a range of price points, even if you smoke.
01:41:10 - 01:46:56
The important thing is taking that first step on your terms, in your time.
01:46:56 - 01:48:73
Curious what your options could look like?
01:48:73 - 01:51:69
Explore and get answers at www.trustage.com.
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