Home Life insurance Life insurance questions How long do you have to be a non smoker for life insurance? How long do you have to be a non smoker for life insurance? By Insure.com | Posted on December 23, 2010 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Congratulations on kicking the habit. You’re correct that you need to refrain from smoking for a considerable period of time before life insurance companies consider you to be a non-smoker. Most companies require policyholders to have abstained from nicotine products from two to five years to qualify for non-smoking rates. The question of whether your premiums can go down and by how much is certainly worth asking your life insurance agent. Check your policy and contact your agent to find out when you can request an evaluation of your current life insurance premium. Quitting smoking is among a number of significant health improvements that can bring down life insurance premiums. Others include significant weight loss to achieve a healthy body mass index, overcoming a chronic illness or improved cholesterol and blood pressure readings. Once your agent agrees it’s time for an evaluation, the insurance company will require you to undergo a medical exam. Schedule the appointment at a time when you will be relaxed. During the 48 hours prior to the exam, limit caffeine consumption, which can elevate blood pressure and increase pulse rate, and refrain from drinking alcohol, which can elevate blood pressure and affect your blood test. Avoid vigorous exercise the day before the exam. Exercise can cause misleading increases in cholesterol levels. It’s also a good idea to fast 12 hours before the exam to prevent certain foods and beverages from interfering with blood tests. For more, see Can you hide smoking from life insurance companies? and how to get better life insurance rates after you buy the policy. × Get Free Life Insurance Quotes Today! Zip Code Please enter valid zip Age Age 16 – 20 21 – 24 25 – 34 35 – 44 45 – 54 55 – 64 65+ Coverage Amount Coverage Amount $50,000 – $100,000 $100,000 – $200,000 $200,000 – $300,000 $400,000 – $500,000 $500,000 – $1,000,000 $1,000,000 – $2,000,000 $2,000,000 – $5,000,000 $5,000,000+ Coverage Type Coverage Type Whole Life Term Life Final Expense Not Sure Gender Gender Male Female Non-Binary Tobacco Use Yes No Compare Quotes QuickTake What is demutualization and what does it mean for policyholders? How life insurance works during a divorce Can you change the coverage of your term life insurance? Can you cash in a paid up life insurance policy? Can I withdraw money from my life insurance policy? How can I get life insurance if I'm in poor health? Are you too old to buy affordable life insurance? Do life insurance policies pay out if you die of old age? Can relatives steal your life insurance money? Can someone take out a secret life insurance policy on you? Protect yourself from insurance revenge during divorce Can I take out a life insurance policy on my spouse? What to do if your life insurance policy lapses How to find lost life insurance policies Can I withdraw money from my term life insurance? How to forfeit life insurance proceeds? How do wills work with life insurance? Frequently asked life insurance questions Life Insurance: Waiver of premium is it worth paying how to find a lost life insurance policy of my relative? how to find a lost life insurance policy of my father? Would an accidental death policy pay for a cocaine overdose? Is the life insurance payout I received taxable? will life insurance pay if drunk driving can you cash in a life insurance policy Burial Insurance for Funerals Expenses Basics of term life insurance policy Can I find life insurance policies of deceased mother Can I find life insurance policies of deceased dad Would an AD&D claim be denied due to accidental overdose Can an ex-spouse collect life insurance money? What is API financial rating of life insurance companies Can a beneficiary take out a loan on a life insurance policy? Questions to ask when found the lost life insurance How long must I wait to get nonsmoker life insurance rates? Can a life insurance beneficiary change on deathbed? how to find a lost life insurance policy what happens to cash value in whole life policy at death See more > Related Articles Can you change the coverage of your term life insurance? By Insure .com Can you cash in a paid up life insurance policy? By Les Masterson Can you cash in a life insurance policy to pay off debt? By Barbara Marquand Can I withdraw money from my life insurance policy? By Desiree Ghazi How can I get life insurance if I’m in poor health? By Desiree Ghazi Do life insurance policies pay out if you die of old age? By Desiree Ghazi Get instant quotes now ! Please enter valid zip Get Quotes