In Kentucky, where smoking rates are high, tobacco use significantly increases life insurance premiums. Smokers pay two to four times more than non-smokers, with a $500,000, 20-year policy costing smokers $90-$115 monthly versus $25-$35 for non-smokers, resulting in a $15,000-$19,000 difference over the term. Tobacco use includes cigarettes, cigars, chewing tobacco, and vaping, detected via cotinine tests. Quitting tobacco for 12-24 months can lead to non-smoker rates.