There are many health risks associated with smoking, including emphysema, COPD and lung cancer, which means insurance companies are taking on a higher risk by insuring smokers for life insurance.
However, if you have quit smoking for 12 months or more, most life insurance companies will offer you lower than smoker rates on your life insurance plan.
By quitting smoking you may save hundreds of dollars (or more) per year on the cost of your life insurance coverage.
Here's how to find affordable smoker life insurance plans.