Life insurance policies typically cover smokers. But because life expectancy is the basis for life insurance rates and smoking can significantly reduce life expectancy. The premiums are usually higher for smokers than for non smokers. Therefore, life insurers factor in the increased risk of mortality associated with smoking when calculating life insurance quotes. However, life insurance companies may refuse to cover someone who has certain medical conditions that are caused or worsened by smoking. Additionally, life insurers will deny coverage if the applicant lies about their tobacco use on the life insurance application. So it’s essential to be completely honest when applying.

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