Smokers: Make Sure You Have Life Insurance Coverage

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What you smoke may eventually kill you, and unsurprisingly, the longer you live, the bigger the risk for smokers. This can be especially serious since smokers are more likely to die from critical illnesses such as lung cancer that happen when it’s late in their lives. But there is affordable whole life insurance designed specifically for smokers who want to make sure they’re covered financially if something ever happens.

What is Life Insurance?

Life insurance is a financial protection that helps cover the costs of an unexpected death. typically, you will pay a monthly policy fee plus an annual premium. The policy usually lasts for a specific period of time, such as 10 or 20 years. If you die while the policy is in effect, your beneficiaries are typically paid a lump sum cash value, which can be used to finance their needs.

Types of Life Insurance Coverage

If you’re a smoker, you need to make sure you have life insurance coverage. Smoking can significantly increase your risk of developing cancer, heart disease, and other diseases. In fact, smokers who don’t have life insurance are three times more likely to die prematurely than nonsmokers. 

There are several types of life insurance coverage that would be beneficial for smokers. These include estate planning coverage, which can help protect your assets if you die; accidental death coverage, which can pay your family if you die while uninsured; and health insurance coverage, which can provide financial assistance if you become ill and can no longer work. 

If you smoke and don’t have life insurance coverage, now is the time to get started. You may be able to find a policy that offers a low-cost option or one that has special benefits for smokers. Contact your local insurance company or agent to find out more about what’s available to you.

Need for Life Insurance for Smokers

The Centers for Disease Control and Prevention (CDC) has noted that smoking is the leading preventable cause of death in the United States. In 2013, the number of adult smokers in the United States was 23.1 million, down from 30.8 million in 1965. 

Considering the fact that smokers typically have shorter life expectancies, they should make sure they have life insurance coverage in case of an unexpected death. Here are seven reasons why smokers should consider getting life insurance:

-Smokers may be more likely to die prematurely from numerous causes, including lung cancer and other smoking-related diseases. 

-Smoking can greatly damage health, particularly over time. Smokers who have sufficiently high costs of hospitalisation or premature death may be candidates for life insurance coverage. 

-Smokers often have more expenses than nonsmokers, such as for healthcare and funeral arrangements. 

-There is a higher risk that a smoker will lose everything if he or she becomes disabled or unemployed. 

-A smoker’s spouse or partner may face health risks if he or she does not smoke and also lives with the smoker. 

Costs associated with Smoking

The cost of smoking isn’t simply the price of cigarettes themselves. There are also costs associated with second-hand smoke, such as COPD, heart disease and cancer. And if you’re a smoker who dies prematurely, your family may be left financially vulnerable. Here are five ways that smoking can put your finances in jeopardy:

  1. Smoking can raise your risk of heart disease and stroke.
  2. Second-hand smoke can increase your risk of respiratory problems, including lung cancer.
  3. Smokers who die prematurely are more likely to leave a financial legacy behind, due in part to increased long-term medical expenses.
  4. Smoking can dramatically increase your overall expenses, including for insurance premiums and healthcare costs.
  5. Quitting smoking can result in significant financial savings down the road, both in terms of taxes and healthcare expenses.

How Smoke Can Impact Your Future Health?

Smoking is one of the leading preventable causes of death in the world, and it’s also one of the leading causes of cancer. The health risks associated with smoking are well-known, but some people may be unaware of how smoke can impact their future health. Here are four ways smoking can damage your health:

  1. Smokers are more likely to develop heart disease and stroke. These diseases are caused by atherosclerosis, which is a build-up of plaque in the arteries that supplies oxygen to your heart muscle and brain. Smoking increases the likelihood of developing these diseases by raising blood pressure, promoting unhealthy cholesterol levels, and weakening the walls of blood vessels.
  2. Smokers often have lower life expectancies than nonsmokers. This is due in part to the fact that smokers’ lungs are hard-working muscles, and they consequently suffer more respiratory problems than nonsmokers. In addition, smokers often have a higher rate of lung cancer and other chronic lung diseases.
  3. Smoking can increase your risk for numerous other diseases, including cirrhosis, pancreatitis, bronchitis, and lupus erythematosus.


Smokers, especially those who smoke cigars, should make sure they have life insurance coverage in case something catastrophic happens. Although it is rare, smoking can kill you, and even a small amount of tobacco can be lethal. No one knows how long someone will live after a serious tobacco injury or illness, so being prepared for the possibility that your loved ones might need to care for you financially if you die from smoking-related conditions is important.

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