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If you use tobacco products and purchase life insurance, you'll probably pay more for your policy than someone who doesn't.

That said, this definitely is an area where it pays to shop around. This is because each insurer charges smokers different rates for life insurance policies.

"The general rule is you are considered tobacco-free if you haven’t touched the stuff in at least a year," says Steven Weisbart, Ph.D., CLU, senior vice president and chief economist for the Insurance Information Institute. "However, life insurer underwriters may differ on this. So if you meet that rule and don’t get offered standard rates, shop around."

That's where QuoteWizard can help. We can get you quotes from multiple companies so that you can compare rates for smokers. This is a great way to guarantee you're getting your best deal.

Read the rest of this article before you jump on the web or pick up your phone, though. It explains many of the things you need to know if you use tobacco products but want life insurance.

Cigarettes Are Only One Part of the Equation

You might think that smoking cigarettes is the only thing that matters to the folks who set life insurance premiums. In fact, many also frown upon the use of other tobacco products, too.

A few examples:

Cigars

Chewing tobacco

Electronic cigarettes (also known as e-cigs, e-cigarettes, electronic nicotine delivery systems, or personal vaporizers)

Marijuana

Nicotine patches or gum

If you use any of these tobacco products, expect to pay more for life insurance than if you didn't.

That said, each insurer may charge different rates for tobacco use. That's why it's so important to shop around to get your best life insurance rates .

'Celebratory Cigars' Sometimes Are OK

Will an insurer consider you a tobacco user if you smoke a "celebratory cigar" a couple of times a year? That depends on the company, unfortunately.

But there's good news. Some insurers will charge you the non-smoking rate even if you enjoy a stogie now and then.

Just make sure you run that by your agent before you apply for a life insurance policy. They will tell you whether or not your celebratory cigars will raise your premiums.

And if they do prompt a rate hike? Shop around. Compare life insurance plans from competing companies. See if one of them will offer you a better price for the same amount of coverage.