Burial Insurance for Smokers [Ex and Current]

Obtaining burial insurance for smokers, ex, and current smoker is easy. When you apply for a burial insurance policy, you will never need to take a medical exam. Additionally, you won’t need to provide doctor’s records or undergo a lab test.

You will only need to answer some basic health questions!

Depending on what type of tobacco products you use and how frequently you smoke, the best life insurance company for you will vary because some companies offer cheaper rates for occasional smokers or those who smoke pipes.

Its common knowledge that smokers are charged more for any kind of life insurance since this habit carries so many health risks.

On average, smokers paid 215% more for coverage than nonsmokers. However, if you handle your insurance application correctly, you can minimize the extra costs you’ll have to pay.

The good news is, if you get burial insurance now while you’re currently smoking, you can qualify for cheaper premiums later when you finally quit smoking!


YES! You can absolutely get life insurance even if you smoke any tobacco products. In fact, you can get instant approval to some life insurance companies we work with.

Being considered as a smoker on your life insurance application can affect your premium. You should be aware though that smoking can increase your life insurance premiums since smoking increases the risk of various ailments.

If you want to get affordable burial insurance coverage, there are several ways to do it. Making simple lifestyle changes can have an enormous effect on how much you pay for life insurance.

If you want the most affordable life insurance policy for your family, you’ll need to quit smoking. It will save you money by not getting smoker’s rate, but it will also improve your health.


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?
  • In the last 12 months, have you used tobacco in any form?
  • Within the last 12 months, have you smoked cigarettes?
  • Within the past 12 months, have you used tobacco in any form (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.

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 nicotine or tobacco

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

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 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 you will be considered a nonsmoker and offered nonsmoker rate.


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.

You won’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 to the life insurance company when you apply, you run a significant risk.

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

Be honest, that is the best way to deal with smoking when you’re applying for insurance coverage.


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 two or three times 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 longer you’ve been using tobacco products and smoking, the higher your risk of having chronic illnesses related to smoking.

The amount of time that 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.


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

The health risks and its 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 90%.

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


Life insurance companies generally charge a higher premium for smokers and tobacco product users.

However, the final rate you will pay will depend on different factors such as your:

  • Age
  • Health
  • Coverage Amount

The cost of burial insurance for smokers versus nonsmokers is based on age. Older applicants face a larger increase in the price of coverage.

Final expense insurance premium for smokers would be between 150% and 343% more than nonsmokers.

Each company has a different system for computing your rate. Smoking and your general health will help determine your cost of insurance. If you’re a current smoker, your premium would be higher when you purchase burial insurance.

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



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.

Many insurance companies will ask if you’ve ever used cigarettes in the last 12 months. Answer the health question about smoking honestly. If you answer “no” to the smoking question, even if you only had one cigarette in the past year, you are committing insurance fraud.

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.

Insurance Option: Smoker Rate


If you smoke less than one cigar or pipe per month and never use other forms of tobacco, some final expense insurance companies will not define you as a smoker. You will also qualify for the best rates.

If the life insurance application question asks: “In the last 12 months, have you smoked cigarettes?” You can answer “no” to the smoking question because they are not asking about all tobacco products, but cigarettes only.

Insurance Option: Nonsmoker rate


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

You have to look for a company that asks about tobacco use this way:

  • In the last 12 months, have you smoked cigarettes?

These companies are not asking about chewing tobacco or using smokeless tobacco. They are mainly asking if you smoke cigarettes. Applicants who are only chewing tobacco can answer no to this question.

Any burial insurance company that phrases their tobacco use question that way is only asking for cigarette smokers to charge them smoker rate. Anyone who uses other tobacco products qualifies for a nonsmoker rate.

Insurance Option: Nonsmoker rate


Life insurance companies typically consider vaping, hookah, and e-cigarette use as a form of smoking and charge smoker rating. Just like with other kinds of smoking or tobacco use, every burial insurance company is different.

Some insurance companies are going to charge you smoker’s rate if you use e-cigarette and vape, but other companies will charge you nonsmoker rate.

Finding the companies that charge nonsmoker rate for e-cigarette users could save you hundreds of dollars in your life insurance premium.

As long as you are not currently using other types of tobacco products and you quit smoking cigarettes for 12 months, you will be approved for nonsmoker rate even if you’re using e-cigarette, vape or hookah.

Insurance Option: Nonsmoker rate


Some life insurance companies treat nicotine replacement therapy products like nicotine gum and patch the same as cigarettes when giving life insurance rates. However, some companies will treat you as a nonsmoker if you use these smoking cessation products.

Inform the final expense company that you use 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 nonsmoker rate even if you use nicotine gum or patch.

Insurance Option: Nonsmoker rate


You can get life insurance coverage even if you smoke marijuana. Depending on the insurance company, you may be classified as a smoker. Even if you qualify for insurance, you will be charged a smoker rate.

Some life insurance companies will offer nonsmoker rates to marijuana smoker. Depending on how frequently you smoke. If you smoke weed twice a month, you will be able to qualify for the nonsmoker rate.

If you use medical marijuana, your premium will depend on the medical condition it’s been treating.

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

Insurance Option: Nonsmoker rate


Deciding to quit smoking would potentially secure you 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 nonsmoker rate, you will have a much lower premium.


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

If you have a health history of smoking, let us help you; we will work with you side by side to find a plan that fits your needs.

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 anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will 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, or 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 an accurate quote.