If you happen to be someone that smokes cigarettes, you will end up paying a bit more for the premiums on your life insurance policy. All of the different rates for life insurance policies are partially based upon mortality tables, which are statistics. The companies dealing with life insurance keep track of millions of people at all different ages and note just how many people end up dying each year from a variety of health conditions.
When looking at the statistics, the life insurance companies are able to see that smokers do not live as long as others who do not smoke. They will charge a higher premium rate for life insurance for smokers because of this factor. For example, when looking at lung cancer, it is easy to see that the rate is much higher in those people who smoke. The facts go even further to show that once a patient is diagnosed with lung cancer, their life expectancy drops dramatically.
As a smoker, a person will inhale thousands of chemicals with each and every puff of a cigarette. Over 200 of the chemicals found in cigarette smoke are actually known carcinogens. Believe it or not, cigarette smoke is well known for containing both cyanide and arsenic, both of which can be fatal. Along with that, the tar that comes along from smoking can end up caked on the lunch and cause cancer to progress and shut down the ability to transfer oxygen into the blood stream.
In most cases, you will find that using tobacco in any shape or form will put you in the tobacco rating category with your life insurance company. This is because of the many studies relating to the dangers of nicotine including high blood pressure and the potential for heart failure.
Sometimes, if the patient has been tobacco free for about a year or longer, they can end up qualifying for a non-tobacco rate with their life insurance company.