Love tobacco? Get life insurance.

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Life insurance basics for smokers

What if I plan on quitting smoking?

Buy life insurance now versus waiting until you quit. You’ll need to be cigarette-free for at least one year before you’ll qualify for non-tobacco pricing. If you wait to buy, you’ll grow older and health issues could raise your term life insurance rates. Protect you loved ones by getting coverage now. If you quit tobacco, you can reapply later to lower your monthly premium.

Learn more: Thinking About Quitting Smoking?


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How do cigars affect life insurance rates?

If you smoke cigars, you can get life insurance. If you smoke one cigar a month or less, you may qualify for non-smoker rates. Your medical exam results should show little to no trace of nicotine, if you enjoy a cigar occasionally. Our term life insurance advisors can guide you toward choosing the best policy for cigar smokers.

Learn more: Do Cigars Affect Life Insurance Rates?


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How does pipe smoking affect life insurance rates?

Our advisors will work with you to find the best term life carrier for you as a pipe smoker. Some will rate you as a non-smoker no matter how often you enjoy your pipe. Others will give you non-smoker rates if no nicotine is detected in your medical exam. And others will automatically give you smoker rates no matter what. Knowing which life insurance company to choose is something we are happy to guide you toward.

Learn more: Does Pipe Smoking Affect Life Insurance Rates


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How do electronic cigarettes affect life insurance rates?

Our advisors will work with you to find the best term life carrier for you as an e-cigarette smoker. Electronic cigarettes are generally considered safer than other tobacco products. If nicotine is detected in your medical exam, most life insurance companies will classify you as a tobacco user and offer you smoker rates. Some will give you non-smoking rates if you use vapor-based e-cigarettes versus heat-based.

Learn more: How Do Electronic Cigarettes Affect Life Insurance Rates?


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Can I be approved if I smoke cigarettes?

Yes, you can get covered. If you smoke, it doesn’t mean that your term life insurance rates will be astronomical. Your tobacco risk class depends on your health and each carrier will assign you the best class possible.

Learn more: Life Insurance Risk Classes for Cigarette Smokers


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How do smoking cessation products affect life insurance rates?

Smoking cessation products contain nicotine to help wean your body off cigarettes but spare you from the other harsh chemicals found in tobacco. However, because there is nicotine in these products, some life insurance companies will still classify you as a smoker even if you don’t actually smoke anything. But not so fast, there are also insurance companies that will consider you for the non-tobacco risk classes and therefore be given non-smoker pricing. To be offered non-smoker rates, you have to be cigarette-free for at least 12 months.

Learn more: How Do Smoking Cessation Products Affect Life Insurance Rates?


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How does chewing tobacco affect life insurance rates?

Even if you chew tobacco, you can still get life insurance and may even be able to get great non-smoker rates. The qualifications for non-smoker rates for tobacco use vary by carrier. While some will issue non-smoker rates for chew use as long as no cotinine shows up in the medical exam results, others will issue even if it does test positive.

Learn more:  How Does Chewing Tobacco Affect Life Insurance Rates?


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How does marijuana affect life insurance rates?

In recent years, the life insurance industry has been adjusting their views on marijuana use and its risk classifications in an attempt to keep up with societal and legal changes. A big challenge for the life insurance industry is that unlike alcohol and tobacco, there have not been enough studies done on the long-term effects of marijuana usage to determine any definite conclusions in regards to risk of mortality.

Life insurance companies all underwrite marijuana use a little differently. Most marijuana users applying for life insurance will be given a smoker risk class, but there are a few carriers that will offer non-smoker. If you use marijuana, whether medicinally or recreationally, working with an independent agency like Quotacy that has contracts with multiple life insurance companies is going to give you the best chances at getting approved.

Learn more: How Does Marijuana Use Affect Life Insurance Rates?


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How much life insurance do you need?

Our easy-to-use calculator can help you figure out your action plan

What our customers say about Quotacy

Too simple

Using Quotacy made things so simple, I literally couldn't believe the process was done, when it was done. I still really can't believe it. Thank you to Jason and the Quotacy team for helping me navigate what would have been a daunting task if I had to undertake it on my own.

five stars

Buying life insurance just got a lot easier with Quotacy

I had a great experience with Quotacy buying my first term life insurance policy. I had sought quotes from other internet-based companies like Quotacy but Renee and her colleagues were the fastest to respond and quoted me a variety of companies/plans at prices that seemed to be at or below what I found with other companies or direct from insurance companies. When I selected the best plan for my needs, Renee explained the paperwork process and setting up the health screening as painless as possible. She even followed up with a nice personalized card to say thanks for choosing Quotacy. It was so nice having the consistent follow-up and getting questions answered immediately that wasn't at all pushing one company or product.

five stars

Great way to purchase life insurance!

Quotacy is THE way to buy life insurance. Through one request for quote got the best deal and great customer service. Would recommend Quotacy to everyone for your life insurance needs.

five stars

Quick and easy

From the beginning to the end of getting my policy I received important updates and status of where my application was. If I had a question I was given a timeline of when I can hear back. I heard back no more than 24 hours.

five stars

Best representatives

Quotacy has done a great job from start to finish in getting my insurance policy set up. They have the easy to use website and great representative.

five stars

Easy as 1, 2, 3

I give Quotacy the highest rating because of how incredibly easy it was to go through the entire process. They were in frequent contact and the communication was concise and made me feel like they were taking care of everything at every step. So far, so good. I have zero complaints. It has been as easy as 1, 2, 3. Thank you very much for your efforts.

five stars

Wonderful experience with Quotacy

Thanks to the staff at Quotacy the process of buying life insurance was very positive and painless. From initial contact with the team to the day my policy became active everything was seamless. The communication from my agent was exceptional. He guided me through the process every step of the way and made sure I got the best policy at the best price. I would definitely recommend the Quotacy team!

five stars

Highly recommend

Renee and Brandon at Quotacy were highly responsive, and had excellent communication and follow-up. They answered all my questions and facilitated everything from start to finish. When I got too busy with other things to focus on finalizing my life insurance paperwork, they followed-up on important milestones without being overly pushy. I also have peace-of-mind knowing that I shopped around to get the best price without actually having to do the legwork myself. Overall, I think the process was as smooth as possible with their help, and I'd definitely recommend Quotacy to others.

five stars

Best price with great customer service

Quotacy got me the best price for my life insurance with a major company and stepped me through the process the whole way. They were very quick and thorough when responding to my inquiries. I would highly recommend using Quotacy!

five stars

Fast and efficient service

From initial quote, to medical exam, to the final paper work, Quotacy provided fast and efficient service. They walked me through the life insurance application process and kept me well-informed through the entire process.

five stars

Very smooth process

I found the process of applying for a life insurance policy through Quotacy to be very smooth with excellent communication throughout. What drew me to the site was the ease of policy cost comparison between the insurers based on a simplified questionnaire. From that point, there were frequent and personalized email updates keeping me informed every step of the way, which led to a policy customized for my needs. I recommend Quotacy for anyone shopping for life insurance.

five stars

Amazing agent

My agent Jason was phenomenal. I had many questions about purchasing life insurance—which is a somewhat overwhelming decision because you obviously want to purchase what's right for you. My agent was exceptional at answering questions and giving me as much detail as possible regarding everything. In a world full of many agencies, I can say I am happy with the one I chose. Thank you so much.

five stars

A pain-free experience

I read some reviews about various insurance quote sites, and I decided to try Quotacy. I found the process extremely easy, and the web application was smooth and polished (kudos to the design and dev team!). I think the highlight of the entire process, however, was having real people communicate with me via email. The emails weren't "template emails" but real correspondence with me during the entire process, and my rep kept me in the loop from start to finish. I don't know how other sites do because I haven't tried them, but I am very impressed with Quotacy.

five stars

Reviews from TRUSTPILOT

Helpful advice for smokers

Image of cloud of cigarette smoke for Quotacy blog Life Insurance for Tobacco, Nicotine, and Marijuana Users.

Life Insurance for Tobacco, Nicotine, and Marijuana Users

Here’s a brief summarization of the different types of tobacco-related products and how they affect buying life insurance.

Read more

Image of shadow of person smoking a cigarette for Quotacy blog Life Insurance Risk Classes for Cigarette Smokers.

Life Insurance Risk Classes for Cigarette Smokers

There are two main categories of life insurance risk class: non-smoker and smoker. If you smoke cigarettes, you’ll be given a smoker risk class. Here we explain what that means and how it affects pricing.

Read more

Image of two hands breaking a cigarette in half for Quotacy blog How Smoking Cessation Products Affect Life Insurance Rates

Does Using Cessation Products Affect Buying Life Insurance?

Are you using cessation products to quit smoking? There are ways for you to get great non-smoker prices on life insurance. Here we explain how using cessation products affects life insurance rates.

Read more

Your love. Our life insurance.

We’d be honored to help you protect your family with the gift of life insurance

Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.