{"id":32894,"date":"2025-12-29T11:34:01","date_gmt":"2025-12-29T16:34:01","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=32894"},"modified":"2025-12-30T11:29:34","modified_gmt":"2025-12-30T16:29:34","slug":"life-insurance-for-smokers","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-smokers","title":{"rendered":"Life Insurance for Smokers: What You Need to Know"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Life Insurance for Smokers: What You Need to Know<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2025-12-29T11:34:01-05:00\">December 29, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Fiona Campbell\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Fiona Campbell<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Life insurance for smokers.\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg 1074w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/12\/life-insurance-smokers.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Life Insurance for Smokers: What You Need to Know &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-smokers\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-smokers\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">How life insurance works<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-how-life-insurance-works\">How life insurance works<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-qualifies-you-as-a-smoker-on-a-life-insurance-application\">What qualifies you as a smoker on a life insurance application?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-is-cannabis-use-considered-smoking\">Is cannabis use considered smoking?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-more-do-smokers-pay-for-life-insurance\">How much more do smokers pay for life insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-tips-for-applying-for-life-insurance-as-a-smoker\">Tips for applying for life insurance as a smoker<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-will-my-life-insurance-premium-change-if-i-stop-smoking\">Will my life insurance premium change if I stop smoking?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-next-steps\">Next steps<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-faqs-about-smoking-and-life-insurance\">FAQs about smoking and life insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Smoking rates in Canada have fallen dramatically over the past 25 years. In 1999,&nbsp;25 per cent of Canadians smoked daily or occasionally. By 2022, the <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/canadian-tobacco-nicotine-survey\/2022-summary.html\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-label=\"number of smokers\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">number of smokers<\/a> had dropped to 10.9 per cent. It\u2019s an encouraging trend, but smoking can be a hard habit to kick. It\u2019s also a hazardous one \u2013 <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/smoking-tobacco\/health-effects-smoking-second-hand-smoke\/risks-smoking.html\"><\/a><a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/smoking-tobacco\/health-effects-smoking-second-hand-smoke\/risks-smoking.html\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-label=\"smoking is linked to more than two dozen diseases\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">smoking is linked to more than two dozen diseases<\/a>, including cancer and heart disease.<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<p>The risks associated with smoking are many fold and smokers pay higher premiums for life insurance. However, if you\u2019re a smoker or use nicotine, it doesn\u2019t mean you can\u2019t get life insurance, or that you\u2019re stuck paying higher rates forever.<\/p>\n\n\n\n<p>Here\u2019s what smokers need to know about life insurance, how insurers calculate premiums, why it\u2019s important to be honest about your smoking status, and how quitting can impact your premiums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<strong><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Life insurance provides a one-time, tax-free payout to your beneficiaries after your death<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The amount you pay (your premium) is based on factors such as your age, sex, health, smoking status and lifestyle factors<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Premiums for smokers are almost double those of non-smokers<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It\u2019s critical to answer your smoking status truthfully or your policy may be voided or the death benefit not paid out<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>After you\u2019ve quit smoking for 12 months, you can apply for non-smoking rates for your life insurance policy<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Even as a smoker, it\u2019s still possible to protect your family with life insurance<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-life-insurance-works\">How life insurance works<\/h2>\n\n\n\n<p>Life insurance provides a one-time, tax-free death benefit to your chosen beneficiary when you pass away. The premium, or the amount you pay monthly or annually, is based on risk factors such as your age, sex, health and lifestyle. Some factors, like age, are immutable, which is why premiums are typically cheaper for younger policyholders. Others, such as diet and smoking can be modified and improved over time. In short, the healthier you are, the lower your life insurance premiums should be.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-does-smoking-affect-insurance-premiums\">Why does smoking affect insurance premiums?<\/h3>\n\n\n\n<p>Smoking has a significant impact on your insurance premiums because of the high correlation between tobacco use and disease.<\/p>\n\n\n\n<p>Here are some <a href=\"https:\/\/cancer.ca\/en\/cancer-information\/reduce-your-risk\/live-smoke-free\/cigarettes-the-hard-truth\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-label=\"statistics on smoking\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">statistics on smoking<\/a> from the Canadian Cancer Society:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Smokers have a higher risk of developing at least 16 different types of cancer<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Unless they quit, up to half of smokers will die from smoking-related illnesses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cancer is the leading cause of death in Canada and about 72 per cent of lung cancer cases are due to smoking tobacco<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Tobacco is the number one preventable risk factor for disease and death in Canada<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><a id=\"_msocom_1\"><\/a>When an underwriter evaluates your insurance application, they assess the level of risk the company takes on to provide coverage. Because smokers are more likely to experience smoking-related diseases and illness, this translates into more expensive insurance premiums.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-qualifies-you-as-a-smoker-on-a-life-insurance-application\">What qualifies you as a smoker on a life insurance application?<\/h2>\n\n\n\n<p>Typically, a life insurance company considers you a smoker if you\u2019ve smoked within the last 12 months. It\u2019s important to note that the term \u201csmoking\u201d is defined broadly for insurance purposes and includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Any form of tobacco, which includes cigarettes, cigars or cigarillos (other than one large cigar per month), pipes and chewing tobacco<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>E-cigarettes, vaping products, water-pipe, nicotine products<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Smoking cessation products, such as nicotine gum or patches<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Betel nut leaves, more than once per month<\/p>\n\n\n\n<p><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/ul>\n\n\n\n<p>Underwriters may use different methods to verify your smoking status depending on the type of life insurance you apply for:<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/guaranteed-life-insurance-how-it-works\/\" data-dig-id=\"LP-LifeInsurance-32894-e060c08f\" data-dig-label=\"Guaranteed acceptance life insurance\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\"><strong>Guaranteed acceptance life insurance<\/strong><\/a>: Does not require any medical exam or health questionnaire, but you still need to disclose your smoking status.<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-term-life-insurance-2\/\" data-dig-id=\"LP-LifeInsurance-32894-31d330d7\" data-dig-label=\"Term life insurance: \" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\"><strong>Term life insurance<\/strong>:<\/a> Provides coverage for a set period of time (between 10 and 40 years), may or may not require a medical exam, depending on your age, health and the amount of coverage, though you are still required to disclose your smoking status.<\/p>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-choose-best-whole-life-insurance-policy\/\" data-dig-id=\"LP-LifeInsurance-32894-9971e6e6\" data-dig-label=\"Whole life insurance: \" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\"><strong>Whole life insurance<\/strong>:<\/a> Provides coverage for the rest of your life, requires both disclosure of your smoking status and a medical exam.<\/p>\n\n\n\n<p>If a medical exam is required, a paramedical professional will ask questions about your health and lifestyle. They\u2019ll take a urine and\/or blood sample to test for nicotine and drugs, as well as other health markers, such as glucose and cholesterol. For larger policy amounts, you may need to complete a more extensive medical exam that includes other investigations such as an ECG stress test, chest X-ray and a detailed review of your medical records.<\/p>\n\n\n\n<p>Regardless of whether you self-report your smoking status or if you undergo a medical exam that will specifically test for it, it is important to be honest during your application even though your premiums will likely be higher. Failing to disclose that you are a smoker could result in your application being denied or your policy not being paid out when your loved ones need it most.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-cannabis-use-considered-smoking\">Is cannabis use considered smoking?<\/h2>\n\n\n\n<p>Since cannabis was legalized in Canada in 2018, life insurers have been determining how to best underwrite policies for cannabis users, especially as the long-term health effects of cannabis are not as conclusive as tobacco usage. In most cases, whether you\u2019re classified as a smoker depends on your consumption habits. If you smoke or vape cannabis, you are more likely considered a smoker. However, if you consume edibles or oils, for example, you are less likely to be considered a smoker.<\/p>\n\n\n\n<p>There are additional considerations for medical cannabis users as the underlying condition (rather than the cannabis itself) may have a greater impact on your premiums. Like with conventional smoking, it\u2019s important to be honest about your cannabis usage when you complete your life insurance application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-more-do-smokers-pay-for-life-insurance\">How much more do smokers pay for life insurance?<\/h2>\n\n\n\n<p>Smokers pay almost double the premiums for life insurance compared to non-smokers, with all other factors being equal. This comes as no surprise given the strong correlation between smoking and adverse health outcomes, including cancer.<\/p>\n\n\n\n<p>Compare the difference in premiums between a smoker and non-smoker looking for 20 year of <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\">term life insurance quote<\/a>:<br><\/p>\n\n\n\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\"><thead><tr><th scope=\"col\">Person<\/th><th scope=\"col\">Non-smoker<\/th><th scope=\"col\">Smoker<\/th><th scope=\"col\">Cost per year<\/th><th scope=\"col\">Cost per policy<\/th><\/tr><\/thead><tbody><tr><td>Male, 40<br>$500,000 coverage<\/td><td>$44.10<\/td><td>$155.52<\/td><td>$1,337.04<\/td><td>$26,740.80<\/td><\/tr><tr><td>Female, 40<br>$500,000 coverage<\/td><td>$32.63<\/td><td>$104.40<\/td><td>$861.24<\/td><td>$17,224.80<\/td><\/tr><\/tbody><\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips-for-applying-for-life-insurance-as-a-smoker\">Tips for applying for life insurance as a smoker<\/h2>\n\n\n\n<p><strong>Be honest on your application:<\/strong> Lying on your application about your smoking status is fraudulent and can result in your policy being declined, cancelled or the death benefit not being paid out when loved ones need it most.&nbsp;<\/p>\n\n\n\n<p><strong>Adopt a healthier lifestyle:<\/strong> Your smoking status is only one factor an underwriter considers when evaluating your health status. Maintaining a healthy weight, avoiding processed foods high in sugar, fat, and salt, and engaging in regular physical activity can all help improve your health and, in turn, lower your insurance premium.<\/p>\n\n\n\n<p><strong>Consider term life insurance as a more affordable option:<\/strong> Term insurance provides simple, lower-cost coverage, and may not require a medical exam.<\/p>\n\n\n\n<p><strong>Work with an accredited broker:<\/strong> An accredited life insurance professional can help you find the right coverage for your unique needs. If you\u2019re unsure how your smoking status may affect your application, they can help answer any questions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-will-my-life-insurance-premium-change-if-i-stop-smoking\">Will my life insurance premium change if I stop smoking?<\/h2>\n\n\n\n<p>While nicotine is addictive and smoking can be a tough habit to kick, it\u2019s never too late to quit. Heart rate drops within a few minutes of your last cigarette and within one to two years your risk of heart attack drops dramatically, according to the <a href=\"https:\/\/www.cancer.org\/cancer\/risk-prevention\/tobacco\/guide-quitting-smoking\/benefits-of-quitting-smoking-over-time.html\"><\/a><a href=\"https:\/\/www.cancer.org\/cancer\/risk-prevention\/tobacco\/guide-quitting-smoking\/benefits-of-quitting-smoking-over-time.html\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-label=\"American Cancer Society\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">American Cancer Society<\/a>. Your risk of lung cancer is halved after 10 years after quitting. <\/p>\n\n\n\n<p>Although life insurance premiums are higher for smokers, once you quit, you may become eligible for non-smoker rates. Typically, you\u2019ll need to complete a medical questionnaire and sign a declaration that you\u2019ve been a non-smoker for at least the last 12 months. (As smoking includes nicotine patches or gum, this includes not using any smoking cessation aids during this time, too.)<\/p>\n\n\n\n<p>You\u2019ll also need to confirm there have been no significant changes to your health, and you\u2019ll likely need to provide a blood or urine test to prove there is no nicotine in your system.<\/p>\n\n\n\n<p>Once the insurance underwriters review your application and confirm your eligibility, you should be switched to lower, non-smoker rates. However, if you decide to quit after a cancer diagnosis or a heart attack, for example, your premiums will likely not reduce because you\u2019re still in a high-risk category due to a new underlying condition.<\/p>\n\n\n\n<p>All of this is why it\u2019s a good idea to quit smoking while you\u2019re still healthy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p>Smoking carries a significant cost, not only to your wallet and your life insurance premiums, but also to your health. And while quitting feels hard, it is possible. Talk to your heath provider for guidance.<\/p>\n\n\n\n<p>Once you\u2019ve decided to quit, support can more than double your chances of success. The <a href=\"https:\/\/www.smokershelpline.ca\/\"><\/a><a href=\"https:\/\/www.smokershelpline.ca\/s\/?language=en_US\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-label=\"Smokers\u2019 Helpline\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">Smokers\u2019 Helpline<\/a> offers support and resources. The Government of Canada also maintains a <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/smoking-tobacco\/quit-smoking\/provincial-territorial-services.html\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"list of provincial and territorial services\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.canada.ca\/en\/health-canada\/services\/smoking-tobacco\/quit-smoking\/provincial-territorial-services.html\">list<\/a> of provincial and territorial services, such as <a href=\"https:\/\/tobaccofree.novascotia.ca\/\"><\/a><a href=\"https:\/\/tobaccofree.novascotia.ca\/\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Tobacco Free Nova Scotia\" class=\"rbc-link-format\">Tobacco Free Nova Scotia<\/a> or <a href=\"http:\/\/quitnow.ca\"><\/a><a href=\"https:\/\/quitnow.ca\/\" data-dig-id=\"LP-LifeInsurance-32894-d66512e8\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"QuitNow\" class=\"rbc-link-format\">QuitNow<\/a> in British Columbia.<\/p>\n\n\n\n<p>Even if you\u2019re not ready to quit smoking, you can still protect your family with life insurance. Safeguarding their future is something you can do today, even as you work to build a healthier future for yourself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-about-smoking-and-life-insurance\">FAQs about smoking and life insurance <\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-should-you-buy-life-insurance-as-a-smoker\">Why should you buy life insurance as a smoker?<\/h3>\n\n\n\n<p>Even if you\u2019re a smoker, you can still buy life insurance. While your premiums will be significantly higher, life insurance still provides financial protection to your beneficiary in the event of your death. It is critical, however, to be honest about your smoking status when you apply; otherwise, you risk your policy being cancelled or the benefit not being paid out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-happens-if-i-lie-about-being-a-smoker-on-my-life-insurance\">What happens if I lie about being a smoker on my life insurance?<\/h3>\n\n\n\n<p>Life insurers verify the information on your application through a variety of methods, including medical questionnaires, medical exams, lab results, and sometimes by accessing your medical records. Underwriters use this information to determine your risk level, whether you qualify for coverage, and what premium you will be charged. <\/p>\n\n\n\n<p>If your insurer discovers that you have lied about being a smoker on your life insurance application (or any other pre-existing conditions), your insurer could decline your coverage, modify your policy with certain exclusions, or offer coverage at a higher premium. Your insurer will also likely report your omission to the Medical Information Bureau as it\u2019s considered fraudulent. If it\u2019s discovered that you lied about your smoking status after your death, your insurer could refuse to pay out the death benefit to your beneficiaries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-smoking-void-a-life-insurance-policy-in-canada\">Does smoking void a life insurance policy in Canada?<\/h3>\n\n\n\n<p>Smoking can void a life insurance policy in Canada if you lie about your smoking status when you apply, or become a smoker after you apply for insurance as a non-smoker. Misrepresenting your smoking status constitutes fraud, and can void a life insurance policy, meaning the death benefit is not paid out.<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Even as a smoker, you could be eligible for life insurance in Canada. Here\u2019s what you need to know about finding the best policy and how smoking impacts your premiums.<\/p>\n","protected":false},"author":207,"featured_media":32914,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[26,4],"article-type":[80],"ppma_author":[173],"class_list":["post-32894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-health-and-wellness","tag-life-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Life Insurance for Smokers: What You Need to Know | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Even as a smoker, you could be eligible for life insurance in Canada. 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