Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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former smoker seeks life insurance

If you have ever smoked, you may be wondering if there are any life insurance applications that do not ask if you have ever smoked.

The answer is no, no life insurance policy application will avoid or neglect to ask smoking and smoking history questions. To get life insurance rate quotes to compare use the tool on this page now!

Being a smoker or having been a smoker is too big of an issue to be ignored.

However, there are policies available that will only ask a few limited medical questions and not require a medical exam, which may be a better option for a smoker or long time smoker who has quit. The following article will provide additional information about this issue.

Life insurance applications with limited medical questions

For a smoker or long time smoker who has quit, a medical exam may provide some damaging information as part of a life insurance policy application. If you think that a medical exam may reveal some health concerns that would cause a life insurance company to deny your application, opt for an application that asks limited medical questions.

These types of applications are typically called non-medical life insurance policies. The “non-medical” title refers to the fact that no medical exam is required. Medical questions are still asked.

If you choose to go with this type of application, you should know that the monthly premium rate will be higher and the overall payout will be less. However, this type of policy is better than leaving your loved ones without any type of coverage at all.

In addition to smoking history, other personal and medical information will be taken into consideration when the insurance company reviews your application. Also, many companies will only offer this type of policy to those who are under 65 and in good health. Some companies may also limit the amount of coverage to $250,000 or $500,000.

On a limited medical question life insurance application, you will be asked a variety of questions including: the name of your physician, the date of your last visit to your physician, your age, your height, your weight, and if you smoke. If you answer no to the smoking question, they will ask if you ever smoked and how long ago you quit. They will also ask if you have been hospitalized recently, if you’ve had any lab work or diagnostic tests done and if you have had any x-rays taken recently.

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What family history is required on a limited application?

A little bit of family history is also required on this type of application. The life insurance company will ask you if any one in your immediately family has had diabetes, liver problems, kidney disease, internal cancer, heart conditions, or mouth, throat, ear, or nose disorders. The answers to these questions won’t typically cause your application to be denied, but as accounts of disease in your family history go up, so will the monthly premium amount.

You should know that if a life insurance company reviews your limited medical question application and suspects that you might have a serious medical issue, they may require an exam before approving your application. The policy terms for these types of policies can range from 10 years to 30 years if you choose a term life insurance policy. You can also choose a whole life insurance policy which will pay you a cash value in addition to offering coverage.

How can I get a good deal on life insurance if I have a history of smoking?

There are still ways to get an affordable life insurance policy even with a history of smoking. Moderate smokers, or those with a history of moderate smoking, will be offered a lower premium than heavy smokers. Also, with each year that passes since you quit smoking, your premium amount will decrease. So it may be worth it to get a plan and increase the coverage amount each year as you move further away from your smoking history.

Shopping around is still one of the most successful ways to find a good deal on life insurance or any other type of insurance. Comparing what several companies have to offer will provide you with all the information you need to make a decision. To save time and money, use an online insurance quote comparison tool that will show you rates and quotes from several top companies. Seeing all your options in one place, will help you decide which life insurance company is right for you. Don’t delay coverage any longer. Try the life insurance quote comparison tool today!