Smokers pay significantly higher life insurance rates, averaging 215% more than nonsmokers, with costs influenced by age, health, and tobacco use type. Insurers classify applicants into categories based on smoking status and health. Nicotine from cigarettes, cigars, vaping, chewing tobacco, or nicotine products affects rates. Quitting tobacco for 12+ months may lower premiums. Honesty about tobacco and marijuana use is crucial to avoid claim denial. No-exam policies are available but costlier and have lower benefits.