Final Expense Insurance For Smokers

Does Final Expense Cover Smokers?

Don’t assume that you aren’t eligible for final expense insurance just because you are a current smoker. Smoking doesn’t eliminate you from qualifying for final expense insurance, in fact there are many final expense plans that will gladly cover people that smoke. Here is what you need to know about applying for final expense coverage as a smoker. 

What Is Final Expense Insurance?

Final expense insurance is a type of life insurance that is designed to help your loved ones cover your end-of-life expenses. As long as you pay your premiums up until you die, your family will be provided with a death benefit payment when you pass. This money can be used to cover your funeral costs and pay for related services, like a memorial service, burial, or cremation. You can also purchase policies that allow your beneficiary more flexibility in how they spend the money, giving them the option to use the death benefit to pay for other expenses, like lingering medical bills.

Final Expense For Smokers

As with many forms of insurance, smokers are typically offered higher rates than non-smokers when they apply for final expense insurance. This is because smoking is known to reduce life expectancy in most cases. Therefore, it costs more to insure someone who smokes. While final expense underwriting doesn’t require a medical exam, the underwriter will need to know if you’ve smoked any cigarettes within the past year. If the answer is yes, you will be subject to smoker’s rates. 

Other Tobacco Use

Smoking isn’t the only way tobacco can be used. If you chew tobacco, vape, or smoke cigars, these activities may also increase your final expense insurance rates. Not all insurance companies consider other forms of tobacco use. Some companies only care if you smoke cigarettes, but be aware that you may be asked whether you use any other types of tobacco and that your answer can affect your rates. 

Final Expense Cost For Smokers

A $5,000 to $10,000 final expense insurance policy typically costs between $40 and $60 a month for people who don’t smoke, but if you do smoke, you can expect your rates to be 30-50% higher than average. The smoker’s rate varies from company to company, so be sure to compare rates across companies before settling on a plan. If you want to avoid smoker’s rates entirely, quit smoking. If you haven’t smoked any cigarettes within the past 12 months, you are considered a non-smoker and will likely qualify for non-smoker’s rates. 

Final Expense Direct Can Help

We can help you find a final expense insurance policy for smokers. You may not get the lowest possible rates, but you will be covered. Our agents will do the shopping for you and bring what we find to your attention. To get started with a quote, give us a call at 1-877-674-0236 today.


Final Expense Direct’s utmost concern is the safety of our clients, their families, and our employees and agents. Our hearts, thoughts, and prayers go out to all that the Coronavirus outbreak has touched and those whose lives have been disrupted. While 98% of our workforce is working remotely, we are here if you need assistance. If you are a client, please contact Customer Support at 800-538-3610, Ext 2, with any questions in regards to your policy. You may also contact us via email at We will continue to monitor this situation and keep you updated.