Being a smoker does not disqualify you from burial insurance — it just means your premiums will be higher than a non-smoker. Learn which carriers offer the best smoker rates and how quitting for just 12 months can dramatically lower your cost.
Absolutely. Tobacco use does not disqualify you from final expense insurance — it simply affects your rate class. All major final expense carriers offer specific “tobacco” or “smoker” rate tables alongside their standard rates. The coverage itself is identical; only the premium is different.
Smoker rates for burial insurance are typically 20–40% higher than the equivalent non-smoker rate. That’s meaningful but not prohibitive — and comparison shopping across carriers is especially important for smokers, since the spread in smoker rates between carriers is often larger than the spread in non-smoker rates.
Key opportunity: Most final expense carriers define a “tobacco user” as someone who has used tobacco products in the past 12 months. If you quit smoking at least 12 months ago, you may already qualify as a non-smoker at many carriers — potentially saving $30–$80/month on the same $15,000 in coverage.
Smoker rate spreads between carriers are often wider than non-smoker spreads — which means shopping matters even more for tobacco users. I compare all 9 carriers for your specific age and tobacco profile. And if you’ve recently quit, I can tell you exactly when you cross the 12-month threshold and what that saves you. Call me: (754) 800-1152.
Sample monthly rates for a $10,000 level benefit policy for a tobacco user, male. Female rates are approximately 15–20% lower.
| Carrier | Age 65 Male Smoker ($10K) | Age 70 Male Smoker ($10K) | Smoker-friendly? |
|---|---|---|---|
| Mutual of Omaha | ~$80/mo | ~$106/mo | Yes — competitive smoker rates |
| American Amicable | ~$78/mo | ~$104/mo | Yes — among best for smokers |
| Americo | ~$76/mo | ~$102/mo | Yes — best rates when you qualify |
| Transamerica | ~$84/mo | ~$112/mo | Good — strong for cardiac + smoker profiles |
| AIG / Corebridge | ~$92/mo | ~$122/mo | Yes — no health questions, any smoker accepted |
We compare smoker rates across all 9 A-rated carriers. Most smokers save $20–$50/month by shopping through an independent broker vs. going direct.
Get My Smoker Rate →We find the best available smoker rates from 9 A-rated carriers. Free quote, 2 minutes, no obligation.