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If you smoke, vape, or use marijuana, finding affordable life insurance can feel like a challenge. Many insurers overlook your overall health and focus only on your habits, leading to high premiums or even rejections. At Pretty Penny Capital, we believe in a fair, personalized approach—because your lifestyle shouldn’t stand in the way of protecting your loved ones.
We offer smoker-friendly life insurance plans designed to fit your lifestyle, not penalize it. Whether you use cigarettes, vape, or marijuana, our coverage options are flexible and affordable, so you can focus on your future without unnecessary stress.
Our policies are designed for all types of tobacco and cannabis users, providing flexible options for your specific needs.
We take a holistic view of your health and lifestyle. Your rates are based on your overall health and individual risk—not just a checkbox on your application.
Applying for life insurance shouldn’t feel like a hassle. With our easy, judgment-free process, you can get quick approval without feeling like you’re being penalized for your choices.
Stay tobacco-free for 12 months? Many plans offer re-evaluation and premium reductions to reward you for your commitment to better health.
Smoker-friendly life insurance is designed for individuals who are often overlooked by traditional life insurance providers because of their smoking, vaping, or cannabis habits. If you’re a smoker, vaper, or marijuana user, you may have faced higher premiums or even been rejected for coverage. However, your habits don’t define your entire health, and that’s what we focus on at Pretty Penny Capital. Smoker-friendly life insurance recognizes the complexities of your lifestyle and works with you to provide affordable and appropriate coverage.
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Whether you’re someone who smokes occasionally, uses vape products, or consumes cannabis, we believe you still deserve a fair chance at securing a policy that fits your needs. These plans are designed to offer the same benefits as traditional life insurance, with premiums and terms adjusted to accommodate your habits. Plus, if you decide to quit smoking or vaping, many of these policies offer an opportunity to lower premiums once you’re smoke-free for a set period, typically 12 months. This gives you the flexibility to make healthier choices without feeling trapped by your past. Ultimately, smoker-friendly life insurance allows you to protect your family’s future without facing inflated costs due to your personal lifestyle choices.
Yes! At Pretty Penny Capital, we offer smoker-friendly life insurance plans designed to work with your lifestyle. Whether you smoke cigarettes, use vape products, or consume cannabis, we provide affordable coverage options that meet your needs.
Your premiums are based on more than just your smoking or vaping habits. We look at your overall health, age, and lifestyle to offer you fair, personalized rates. Smoking or vaping will influence your premium, but it won’t necessarily break the bank.
For most smoker-friendly plans, a medical exam is not required. Instead, you will answer a few health-related questions, and we’ll provide you with quick, judgment-free approval based on your health profile.
Yes! If you stay tobacco-free for 12 months, many of our plans offer re-evaluation and premium reductions. Quitting can directly impact your rates, helping you save money in the long run.
While smoking, vaping, or cannabis use can lead to higher premiums than non-smokers, smoker-friendly life insurance is still affordable and tailored to your specific needs. At Pretty Penny Capital, we work with you to find the best coverage at a price you can afford.
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