Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Lincoln Financial is a good fit for a cigarette smoker who wants fully underwritten term coverage and can qualify for a tobacco rate class, but it is not a clear price leader. No smoker-specific premium is published, so value depends on an individualized quote.
Prudential is a strong comparison candidate for cigar smokers who avoid cigarettes, thanks to its Non-Smoker Plus rate class. It does not publish cigar-specific thresholds, and premiums run roughly 10-20% above rate leaders.
Pacific Life is a good, but not conclusively best, fit for a current cigarette smoker seeking U.S. life insurance. PL Promise Term supports Preferred Tobacco and Standard Tobacco classes, offers 10- to 30-year level premiums, and allows conversion without new underwriting.
Lincoln Financial is a good fit for many cigar smokers who do not regularly smoke cigarettes, because its underwriting materials allow cigar users to qualify for non-tobacco rate classes in some products and situations. Cigar-frequency limits and nicotine-testing rules vary, so confirm pricing in writing.
Protective Life is a good, not proven best, fit for current cigarette smokers seeking medically underwritten term life insurance. Protective Classic Choice Term lists a Tobacco underwriting class and offers 25- and 30-year terms with a conversion privilege, but no verified smoker-specific premium exists.
Nationwide is a mixed fit for current cigarette smokers. It offers level term coverage, conversion to permanent coverage without new medical evidence, and living benefits, but no reviewed source shows a smoker-pricing advantage.
Mutual of Omaha is a good fit for cigarette smokers who need simplified-issue final-expense whole life or moderate simplified-issue term coverage and can accept tobacco-rated premiums.
Transamerica is a good, not unanimous, fit for cigarette smokers seeking term life insurance. It offers smoker risk classes, 10- to 30-year terms, and conversion rights, but no platform verified an individual smoker premium and complaint ratios run above average.
Guardian Life is a mixed-to-good fit for cigarette smokers seeking level-term coverage. It offers conversion without a new medical exam, but smoker premiums can be up to three times higher than non-tobacco rates, and no-exam eligibility remains uncertain.
Banner life insurance Company is a good fit for a cigarette smoker who wants fully underwritten term life insurance and is willing to complete medical underwriting. Six of seven platforms named Banner during the ranking stage, and its OPTerm product is repeatedly described as competitive within tobacco classes.
State Farm is a mixed-to-good fit for current cigarette smokers seeking term life insurance. Select Term offers 10-, 20-, or 30-year level premiums with conversion rights, but smoker-specific rates are not published, so buyers must get an individual quote.
Prudential is a good, but not proven best, fit for a U.S. cigarette smoker seeking individually underwritten life insurance.
