If you smoke, you will likely pay more than a nonsmoker for your smoker life insurance if you can even get approved. It's a common practice of insurance companies to deny coverage to smokers because of smoking being blamed for so many different terminal diseases and illnesses.
Nonsmokers have been treated to falling premiums over that past several years while those for smokers have risen in the opposite direction. If you want to get more information about whole life insurance for smokers visit, https://topwholelife.com/whole-life-insurance-for-smokers/.
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There have been a few studies done that show that sometimes smokers pay up to 100% more for smoker life insurance than nonsmokers in today's market.
Other than their health, smokers are constantly facing adverse conditions that nonsmokers don't need to deal with and one of them is higher insurance premiums. There are some differences, however, to how insurance companies treat those addicted to nicotine.
Some insurance companies will charge you the higher premiums for using tobacco regardless of the delivery system. This means chewing tobacco, cigars, cigarettes, and smokeless tobacco-free nicotine replacement products.
Other companies, however, understand that nicotine is about as harmful as caffeine on the body when it's delivered in a tobacco-free, smokeless manner. These companies will treat you as a nonsmoker and give you the same premiums a nonsmoker enjoys as long as you pass a health exam.
Be aware, too, if you smoke tobacco that hasn't been infused with all kinds of chemicals you won't save any money. Raw tobacco carries similar health risks to chemically infused tobacco due to the smoke inhalation and can cause the same terminal health problems.