We all know it now, smoking is not good for your health. Looking to purchase a life insurance policy? If you smoke that is going to cost you. A non-smoker in good health might be able to obtain a $1,000,000 term policy for as little as $400 – $500 a year depending on age. A smoker might qualify for a benefit that is a fraction of the non-smokers, $250,000 benefit. Take it from the picture below. Stark Associates public service announcement, do not smoke.