If regularly using tobacco other than cigarettes, there are a some life insurance companies that will charge non-smoker rates (but not preferred non-smoker). These run about half of smoker rates for life insurance.
If an occasional cigar user, some life insurance companies will rate preferred nonsmoker.
However, if smoking tobacco considered illegal in your jurisdiction, you may or may not qualify for life insurance, depending on the insurance company.
If you purchased life insurance as a smoker, and then quit smoking, you may ask your life insurance company to consider a re-rate of your policy, after being smoke-free for 12 months. This could save you hundreds of dollars per year on your life insurance.
Here's how you can compare instant smoker life insurance rates online among several leading life insurance carriers.