Can Smokers Get Burial Insurance?
Yes — tobacco use just affects the rate, not eligibility.
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Quick Answer
Yes. Smokers can qualify for burial insurance, including both simplified issue and guaranteed issue plans, though premiums are typically higher than for a non-smoker of the same age and coverage amount.
This ties directly into guaranteed issue life insurance, which we cover in detail separately.
Many carriers place smokers in a separate rate class specifically to account for the added health risk, which affects price but not eligibility. Guaranteed issue policies, which ask no health questions at all, generally accept smokers at the same standard rate as non-smokers applying for guaranteed issue coverage.
If you’ve quit smoking, some carriers offer improved rates after a certain smoke-free period — it’s worth asking a licensed agent whether you qualify for a better rate based on how long it’s been since you quit.
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