Mar
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Honestly, I am not aware that there is a Smoker Life Insurance. What is this all about? Check these sites for more information:

Cost of smoking

Smoker Life Insurance Companies

Difference in from non-smokers
Quotes

It was discovered and reported that smoking decreases one’s lifespan. That is why smoker’s insurance is more costly. Actually, more than half of the cost that non-smokers pay is the rate for smokers.
In States, 1 out of 5 deaths is caused by smoking. I wonder why people still choose to smoke. Aside from knowing how much money they spend in cigarettes, it is even more costly for them to be insured. What a sad thought.

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