On average, smokers are more likely to develop health complications that are associated with this habit. Of course, many life insurance applications do ask you about the life span of close relatives, so they may give that individual consideration.

When a smoker does not have other risk factors and is not elderly, they will probably do just fine by seeking a life insurance policy that does ask about smoking on the policy.

If a smoker is fairly young, or even middle aged, and has a healthy weight with no other health conditions, they will probably find that they will earn a lower rate by filling out a more detailed life insurance application.

There are conditions to the offer to non-smokers; in order to qualify for being a non-smoker you must have been smoke free for 12 months or more.