Male Smoker Life Insurance

These tables list the lowest annual premiums, at the time of publication, for $250,000 of male smoker life insurance. Because life insurance premiums change occasionally, we update the database whenever they do. To see the current premiums, as well as the top fifteen male smoker life insurance companies, just click on the link of your choice.

Standard Underwriting

	Age 25	Age 35	Age 45	Age 55
10 Year Term	$367*	$420*	$862*	$1,777*
20 Year Term	$380*	$585*	$1,343*	$3,072*
*Source: Compulife Software, Inc. database, 12/01/2008. Click for current data.

Preferred Plus Underwriting

	Age 25	Age 35	Age 45	Age 55
10 Year Term	$292*	$330*	$662*	$1,440*
20 Year Term	$357*	$455*	$1,052*	$2,347*
*Source: Compulife Software, Inc. database, 12/01/2008. Click for current data.

Some companies specialize in smoker life insurance, as you can see by clicking one of the links in the table above. A few make exceptions for occasional cigar usage. For example, one company allows current usage of one cigar per day even for their most preferred non-smoker classification.

According to "Health Effects and Trends", published by the National Cancer Institute in February, 1998, the relative risk ratios of death are less than 2 for smokers limiting cigar consumption to one or two a day for 1) all causes of death, 2) lung cancer, 3) pancreatic cancer, 4) emphysema, and 5) coronary artery disease. Cancers of the oral cavity and larynx have higher risk ratios. The National Cancer Institute states that a "relative risk of less than 2 is considered small and usually difficult to interpret."

While this information is encouraging to moderate cigar smokers, you should be cautious when interpreting the results, as more study is required. The 2001 update to this report continues to confirm that cigars are associated with lung, gastrointestinal, pharyngeal and laryngeal cancers.

Term Life Insurance