If you are looking for an affordable life insurance policy and you are a smoker there are a few things you should know. First of all you need to find someone who deals with a lot of companies and can find you a good competitive smoker's rate. Smokers face more consequences in certain aspects than non smokers face other then their health. The likely hood that they will pay higher insurance premiums happens to be another one.
Sometimes an insurance policy for one who smokes can cost twice the amount as someone who does not smoke.
Certain companies will actually charge you less money if you manage to quit smoking. If you do quit smoking some companies will give you the benefit of the doubt and give you a non smoker's rate assuming that you will not take up smoking again, however others are not so nice and will still charge you the amount of a smoker.