Smokers pay at least twice as much for life insurance as non-smokers, but you won’t be denied coverage just for smoking. Legal & General America, Corebridge Financial, and Transamerica offer some of the best rates for smokers and former smokers.
We rank the Best Life Insurance Companies for Seniors of 2025. We researched age restrictions, benefits, and more to help you make the best choice for you.
Best life insurance for young adults who smoke or vape: Transamerica Transamerica is also our top pick forpeople who smokeor recently quit smoking. It can offer smokers and former smokers cheaper rates compared to some of its competitors. Also, the company’s application process is simple and ...
In Alaska, the best life insurance for women is offered by Nationwide. How much is life insurance in Alaska for women? Life insurance prices in Alaska for women are influenced by age, health and coverage amount. Nationwide, with the highest MoneyGeek score, provides a monthly premium of appro...
On the other hand, smokers and those with chronic illnesses will get better rates with no-exam policies. What are living benefits in term life insurance policies? Living benefits in term life insurance policies allow policyholders to access a portion of their death benefit while still alive if ...
Smoking: Smokers face substantially higher life insurance rates compared to non-smokers. Smoking is associated with numerous health risks, including respiratory and cardiovascular diseases, which contribute to a higher risk of early mortality and, consequently, higher premiums. Occupation: Jobs that involv...
Your life insurance quotes are always free.#4 – SBLI: Best for Affordable RatesProsAffordable Rates: Known for providing some of the most affordable rates in the market. Early Enrollment Discount: Offers a 10% discount for early enrollment. Non-Smoker Discount: 12% discount for non-smokers....
Term Life Policy Costs for Older Adults As you age, the price of life insurance goes up. Older adults will usually get shorter terms, but still pay higher premiums than younger adults getting a longer term. The information below is for a 15-year term, versus the 30-year term quoted abo...
Our pick for older seniors Guardian Life 4.6 Guardian Life Life Insurance Review Learn More Sample CostN/A Policies OfferedN/A AM Best RatingN/A Guardian Life is another stalwart of the life insurance industry that made our list of the top five providers for 2024. The company’s longevity ...
Our pick for older seniors Guardian Life 4.6 Guardian Life Life Insurance Review Sample CostN/A Policies OfferedN/A AM Best RatingN/A Guardian Life is another stalwart of the life insurance industry that made our list of the top five providers for 2024. The company’s longevity can offer ...