Can Smokers Get Burial Insurance in Philadelphia?
Yes — and the rates may be more affordable than you expect. With 22% of Philadelphia County residents using tobacco, final expense carriers that serve Philadelphia have built their products to accommodate smokers. Most applicants who use tobacco can qualify for a level benefit policy — meaning full coverage from day one.
What matters most to carriers isn't whether you smoke, but your overall health profile. A smoker with well-controlled blood pressure and no serious diagnoses often qualifies for standard coverage.
What Does Coverage Cost for Smokers in Philadelphia?
| Age | Non-Smoker Rate | Smoker Rate | Difference |
|---|---|---|---|
| 50–59 | $28–$42/mo | $40–$62/mo | ~40% more |
| 60–69 | $42–$68/mo | $62–$98/mo | ~45% more |
| 70–79 | $68–$110/mo | $98–$158/mo | ~45% more |
| 80–85 | $110–$148/mo | $155–$210/mo | ~40% more |
Note: These are estimated ranges for $10,000 in coverage. Your actual rate depends on your specific health history and the carrier. A licensed Pennsylvania agent will shop multiple carriers to find your best rate.
Coverage Options for Philadelphia Smokers
- Standard smoker policies: Full coverage, day-one benefit. Available to most tobacco users with no other serious conditions.
- Graded benefit policies: For smokers with additional health complications. Full benefit after 2 years.
- Guaranteed issue policies: No health questions — automatic approval for ages 50–85. Higher premiums, 2-year waiting period for natural death.
With funerals in Philadelphia averaging $13,800, even a $10,000 smoker policy provides meaningful protection. The key is locking in your rate now before any additional health changes.
What If You Recently Quit?
If you've quit smoking within the last 12–24 months, most carriers in Philadelphia will still classify you as a smoker. The good news: if you stay tobacco-free, you can often request a reclassification after 12–24 months and have your premiums reduced. A licensed Pennsylvania agent can help you time this correctly.