In order to qualify for lower non-smoker life insurance rates, most life insurance companies require that an individual be a non-smoker for at least one or two years.
Most Insurance companies view other tobacco products like cigars, pipes and chewing tobacco in the same rating classification as cigarettes; however, there are life insurance companies that will allow pipe, cigar and chewers to qualify as non-smokers for more affordable life insurance rates.
Here's how to compare smoker life insurance rates and plans online among several of the leading life insurance carriers.