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It is a common myth among smokers that the life or a health insurance policy will not be available to them. An even bigger a myth is even if a life or a health insurer issues them a policy, the premium will be quite steep and medical tests will be needed. While it is true to some extent, couple of health insurance companies are lenient when it comes to selling policies to smokers. If you declare that you are a smoker but have no lung disease, you may get a health policy at the same premium as a non-smoker without medical tests. However, most life insurance companies do load extra premium on term insurance products.