Burial Insurance for Smokers [Ex and Current]

Man Thinking About Burial Insurance for Smokers

Buying burial insurance for smokers, ex, and current smokers is easy. In fact, you won’t have to undergo a medical exam to apply for coverage. Additionally, there’s no need to provide a doctor’s record.

Depending on what type of tobacco products you use and the frequency of use, we will get you the best burial, cremation, or life insurance rates.

In this article, we will discuss how life insurance companies underwrite people who use tobacco or nicotine products and how you can get the most affordable plan.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF SMOKING?

CIGARETTES

Cigarettes are the most commonly used form of tobacco today. Smoking cigarettes is highly addicting and has harmful long-term health effects. It also carries the highest health risk among tobacco products on the market.

Most insurance companies will ask if you’ve ever used cigarettes in the last 12 months. You need to answer the health question about smoking honestly. If you answer “no” to the smoking question, you may be guilty of committing insurance fraud, even if you only had one cigarette in the past year.

Because of the harmful effects of smoking cigarettes, no insurance companies will issue a nonsmoker rate to cigarette users.

Most insurance companies will require you to quit smoking cigarettes for at least 12 months before they will consider you a nonsmoker and decrease your rate.

Best Option: First-day coverage plan with Smoker Rate


CIGARS AND PIPES

Smoking any tobacco products will result in you qualifying for smoker rates. If you smoke just one cigar or pipe per month and never use other tobacco products, it is still considered tobacco use if done within the last 12 months.

Best Option: First-day coverage plan


CHEWING TOBACCO / SMOKELESS TOBACCO

Chewing tobacco or using smokeless tobacco is typically treated the same as smoking cigarettes from the perspective of life insurance companies. You will generally qualify for smoker rates unless you find a final expense company that only asks about cigarette smoking.

Best Option: First-day coverage plan


E-CIGARETTE / VAPING / HOOKAH

Vaping, hookah, and e-cigarette use are considered a form of smoking by some life insurance companies and charge smoker ratings if the product you are smoking contains nicotine. Just like with other kinds of smoking or tobacco use, every burial insurance company is different.

As long as you are not currently using other tobacco products and you quit smoking cigarettes for 12 months, you will be approved for the nonsmoker rate even if you’re using an e-cigarette, vape, or hookah product that contains no nicotine.

Best Option: First-day coverage plan with Nonsmoker rate


NICOTINE GUM AND PATCH

Using nicotine replacement therapy products like nicotine patches or gum can get you smoker rates to some life insurance companies. We work with some companies that will consider you a non-smoker if you use these smoking cessation products.

Inform the final expense company that you are using these products, but you no longer smoke cigarettes. Tell them how long you’ve been cigarette-free. If it’s been longer than 12 months, you will be charged a nonsmoker rate even if you use nicotine gum or patch.

Best Option: First-day coverage plan with Nonsmoker rate


MARIJUANA SMOKING

You can get insurance coverage even if you smoke marijuana. You may or may not be classified as a smoker, depending on the insurance company. However, if you qualify for coverage, you will be charged a smoker rate.

If you use marijuana to treat a medical condition, your premium will depend on the medical condition it’s been treating. Some companies ask about using any illegal drugs, which may result in a denial of coverage.

If you smoke marijuana, your privacy is guaranteed by the HIPAA Law.

Best Option: First-day coverage plan with Nonsmoker rate


QUIT SMOKING TO GET LOWER RATES

Deciding to quit smoking would potentially secure you at a much lower rate. Once you hit the 12 months of being smoke-free, you will get a nonsmoker rate and save on premiums.

If you are generally healthy with no major health conditions that could get in the way of being approved for the nonsmoker rate, you will have a much lower premium.

Best Option: First-day coverage plan with Nonsmoker rate


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I’M SMOKER, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance for smokers.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU’RE A SMOKER

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.


HEALTH QUESTION:

Life insurance companies will ask about your use of any of these products when you apply for coverage:

  • Cigarettes
  • Cigars
  • Chewing Tobacco
  • Pipe
  • E-Cigarettes/ Vaping
  • Nicotine patches
  • Nicotine gum
  • Marijuana
  • Anything that contains tobacco or nicotine

If you use any of these, you need to answer yes to the smoking question

On your life insurance application, you will be directly asked if you smoke. You will typically see the smoking question asked this way:

  • In the last 12 months, have you used any tobacco or nicotine products?
  • Have you used any form of tobacco in the previous 12 months?
  • Within the previous 12 months, have you smoked cigarettes?
  • Within the past 12 months, have you used any form of tobacco (excluding occasional pipe and cigar use)?

Most burial insurance companies will use any of these questions to define whether you are a smoker and needed to charge a smoker rate.

A smoker is anybody who smokes or used any tobacco products in the last 12 months. If you have smoked even one cigarette or cigar within that last year, you will be subject to the tobacco rate.

The companies do not care about the volume you smoke. It could be one cigar, one cigarette, or one nicotine gum. They won’t ask how many tobacco products you smoke per day. You should answer yes if you did.

You need to stop smoking for 12 months before being considered a nonsmoker and offered a nonsmoker rate.

Smokers are considered higher-risk applicants; that’s why every insurance company imposes a more expensive premium rate on smokers and tobacco product users.

Generally, smoker rates are 30-45% higher than the standard rate – although the exact premium will vary between insurance companies.

The factors that affect the life insurance premium are:

  • How long since you quit using tobacco products?
  • How long since you quit smoking?

The amount of time passed since you quit smoking will determine if you will get a nonsmoker rate. You need to be smoke-free for a minimum of 12 months to get the best rates.


SMOKING AND BURIAL INSURANCE APPLICATION

Every insurance company will ask if you smoke or use any tobacco products in their application. Lying about smoking on the life insurance application is a bad idea, and we strongly recommend against it, as youwon’t be able to hide the fact that you are a smoker.

First, your life insurance application will ask you if you smoke. You need to be honest and answer “yes” to the smoking question if you do. Hiding this fact is a form of insurance fraud.

If you tried hiding your smoking habit from the life insurance company you apply to, you run a significant risk of your policy not paying out upon death.

If you die within the first two years or during the contestability period, and the insurance company found out that you were smoking, they would have the right to deny paying out your death benefit to your beneficiary.

Be honest; that is the best way to deal with smoking when applying for insurance coverage.


HOW MUCH INSURANCE DO I NEED IF I’M A SMOKER?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


SMOKING AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


WHY DO TOBACCO USERS AND SMOKERS PAY MORE FOR LIFE INSURANCE?

Using tobacco products comes with some well-known risks, and insurance companies charge accordingly.

The health risks and their effect on mortality give a high probability that the company will pay a death benefit to smokers’ beneficiaries.

Tobacco users and smokers pay more for life insurance because:

  • Smoking has a direct connection to heart disease, respiratory illness, and cancer.
  • Over 20% of all deaths in the U.S are related to smoking. One person dies every six seconds from a tobacco-related disease.
  • The risk of dying from heart disease due to smoking can triple to middle-aged person.
  • The Center for Disease Control and Preventions (CDC) states that smoking can shorten the lifespan of smokers to up to 10 years.

It’s no wonder the insurance industry charge more on smokers. They are more likely to pay out a death benefit at a much earlier time than they would have on policies for nonsmokers.

However, if you quit smoking for good, you can decrease the risk of dying prematurely from diseases related to smoking by up to 90%.

If you quit using tobacco products for 12 months, it’s possible to have the insurance company e-evaluate your smoking situation and lower your premium payments.


HOW MUCH MORE DO YOU HAVE TO PAY IF YOU’RE A SMOKER?

Generally, burial insurance for smokers and tobacco product users is higher. They charge a higher premium for smokers and tobacco product users because of the risks involved.

However, how much you will pay will depend on different factors such as your:

  • Age
  • Health
  • Coverage Amount

The cost of burial insurance for smokers versus nonsmokers are based on age. The price of coverage increases as you get older.

The premium for burial insurance for smokers is 150% to 340% more than nonsmokers.

Each insurance company has a unique way of computing your rate. Smoking and your general health will help determine your premium. If you’re a current smoker, your premium would be higher when you buy burial or final expense insurance.

But, if you started smoking after you bought life insurance, your rates wouldn’t increase.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE FOR SMOKER

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance for smokers
  • Cremation insurance plan for smokers
  • Funeral home insurance plan for smokers
  • Final Expense insurance plan for smokers
  • Prepaid funeral plan insurance for smokers
  • Mortgage payment protection plan for smokers
  • Mortgage payoff life insurance plan for smokers
  • Deceased spouse’s income replacement plan for smokers Legacy insurance gift plan to family or loved ones for smokers Medical or doctor bill life insurance plan for smokers

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy if you are a current or ex-smoker needn’t be frustrating; working with an independent life insurance agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies anymore because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford, so if you are looking for smoker funeral insurance, smoker burial insurance, or smoker life insurance.

Fill out our quote form on this page or call us at (888) 862-9456, and we can give you accurate life insurance quotes.

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