Some people think that those who smoke and use tobacco can not qualify for any type of life insurance. That is not true. What happens is that their rates tend to be higher but they can in fact get life insurance.
The reason their rates are so much higher is because part of how the insurance company comes up with their rates is based on health. They also check to find out what risky behaviors a person might have. While you never really know if someone might die at an earlier age, some people do live riskier lives and will be more likely to pass away before those that don’t live that way.