You are 30 years old having smoking habit Can you get a good term life insurance?

Yes, you can get good rates at your age, depending on how much you smoke. You would probably pay 2-3 times more as a smoker, than if you were to quit. You can get life insurance now, and ask for a re-rate a year or two later from your life insurer. Some insurers will lower your rate after you have quit smoking for 1-2 years.

You would need to shop around for a good term life insurance policy. The fact is most life insurance companies group all smokers in one category. Smokers, generally have to pay more on a life policy. However, insurance rates differ from company to company. Some companies look more favorably on smokers and will take into consideration your health status as well. Just by shopping around you may be able to find good savings, even if you are a smoker.