Smokers can obtain life insurance but face higher premiums due to increased health risks. Insurers classify smokers based on recent tobacco or nicotine use, including vaping and cessation products. Quitting smoking for at least a year may qualify individuals for nonsmoker rates. Types of coverage available include term, whole, and no-medical exam policies. Honesty on applications is crucial, as fraud can lead to claim denial. Shopping around and considering term insurance with re-entry options is advised.