If you’re looking for a quitting cigarettes timeline, the good news is that some changes start quickly. Within about 20 minutes of your last cigarette, your heart rate and blood pressure begin to move back toward normal. Other benefits of quitting smoking take much longer.
Let’s face it, we all know smoking and vaping are bad for you. But what really happens when you quit smoking or decide to quit vaping?
Quitting Cigarettes Timeline: What Happens to Your Body
If you’re trying to quit smoking, here’s some hope and encouragement. Health Canada monitors what happens in your body when you quit smoking. Here’s an abridged version:
And the rewards continue to mount. Fifteen years after quitting, your risk of coronary heart disease is close to that of a person who has never smoked.
If you’ve been smoking for some time and you’re thinking of quitting, realize that the benefits begin immediately. It will help if you have a support group, someone to walk with or exercise with. Find some positive thing that will happen as a result of quitting, something that motivates you to give up cigarettes. Quitting isn’t easy, but the reward is immeasurable. You can quit smoking.
Source: Health Canada.
Nicotine Withdrawal Is Tough
I have a friend who has since kicked the habit. It turns out that after about 24 hours without smoking, he went out in the rain in the middle of the night and bought a pack of smokes only to throw them away again. When you’re in the throes of smoking withdrawal, cravings can come out of left-field.
The first week is the worst. Irritability, restlessness, bad temper, mood swings, inability to concentrate, disturbed sleep, coughing, and the list goes on and on. My friend’s episode reminds us, however, of an important fact that feeling better and nicotine withdrawal symptoms don’t exist on the same timeline.
While most issues subside after the first week, quitting smoking is never easy. Embedded habits and associations take much longer to conquer. Stress, alcohol, coffee, being around other smokers, and the list goes on and on. These associations can create powerful cravings long after the worst of the symptoms have subsided. Nicotine is a powerful drug.
What If I Quit Vaping?
- The date of your last cigarette (any time you smoke it sets you back to the start)
- Any current vaping, even occasional use
- Whether the vape contains nicotine
- Nicotine gum, lozenges, or patches
- Cigar or other tobacco use
- The last time you used each product
Recently quit smoking or vaping?
Your health timeline and your life insurance timeline are not necessarily the same. An insurer may still classify you as a smoker even after you have stopped.
See Your Life Insurance Options →When Are You Considered a Non-Smoker for Life Insurance in Canada?
Canadian insurers want to see a full 12 months without tobacco or nicotine before they’ll consider non-smoker rates.
Think of it as two separate clocks.
Your health starts changing almost right away. Qualifying for non-smoker life insurance rates usually takes much longer.
What About Nicotine Gum and Patches?
So you’re serious about quitting smoking, your doctor suggests nicotine gum or patches, and you assume your 12-month non-smoker clock starts that day.
Nope.
This is one of those details that surprises my clients. Canadian insurers still take nicotine replacement products into account when they decide whether you qualify for non-smoker rates. This includes gum, patches, and lozenges.
That doesn’t mean nicotine gum is being treated as if it carries the same health risk as smoking cigarettes. It means insurers still consider nicotine use when deciding how to classify you.
And because the rules vary from one company to another, it’s worth checking before you assume your 12-month countdown started. I’ve seen disappointment in practice when people don’t check in with me.
If you’re using nicotine replacement therapy, tell your broker exactly what you’re taking and when you stopped smoking. You also need to make sure your doctor takes notes. This provides proof when the insurer reviews your file.
You’ll need to be completely tobacco- and nicotine-free for the required period before non-smoker rates are available.
Smokers Pay More for Life Insurance... Period
…and that price difference is substantial.
If you’re looking at life insurance for smokers in Canada, you absolutely will pay much more than a non-smoker with similar health for the same amount of coverage.
Smoking increases the risk of big-time health problems, including heart disease, stroke, cancer, and respiratory illness. Insurers factor that added risk into the premium – of course.
There isn’t one set smoker surcharge, though. Your age, overall health, the amount of coverage you’re buying, the type of policy, and the insurer itself all change the final number.
That’s also why smoker vs non-smoker life insurance rates vary so much from one person to the next.
Plenty of smokers still qualify for traditional term or permanent protection.
But the cost absolutely builds up over time.
Different insurers can look at the same applicant differently.
Before assuming you need expensive coverage, compare your options. A licensed broker can help determine how Canadian insurers may treat your smoking, vaping, nicotine use and overall health profile.
Should I Wait Until I Quit Smoking to Buy Life Insurance?
No.
If your family needs life insurance now, sitting on the sidelines for a year leaves a real gap in protection.
Twelve months is a very long time. Your health, job, and financial needs can change. If you have a mortgage, children, or someone relying on your income, getting coverage in place matters more than holding out for a lower premium.
This is why the question of how long to quit smoking for life insurance doesn’t always have a simple “wait 12 months” answer.
We have a couple of different approaches for smokers.
One option is to get covered today at smoker rates. Once you’ve been smoke free long enough to meet the insurer’s requirements, we can go back to get reclassification. I have had many a client who has gone down this path and their savings have been substantial.
The other option is to shop for a new policy later. A fresh non-smoker application may actually be cheaper. It’s important to explore all of your options with an independent agent.
I’ve seen people delay buying coverage because they’re convinced they’ll quit next month. Sometimes they do. Sometimes a year turns into three or four, and they eventually apply as a smoker anyway… only now they’re older too.
That’s why I wouldn’t make the decision based only on what your rate might look like later. If you need coverage today, take care of that first. You can always revisit the pricing once your smoking status changes.
TermCanada can help you look at both sides of the coin. What coverage costs today and what your options may look like once you’ve met the insurer’s non-smoker requirements.
What if I Have Other Health Conditions?
Smoking is only one part of your underwriting file.
An insurer may also be looking at things like:
Quitting smoking can improve one part of the picture, but the insurer still has to look at everything else that’s going on.
…and this is where the company you apply to makes a real difference. One insurer may be perfectly comfortable with a particular health issue while another prices the same situation much more aggressively. Add two or three health concerns together and those pricing differences become even more problematic.
Life insurance isn’t one-size-fits-all, no matter how easy tech makes the application process look. Even a difference of $10 or $20 a month can turn into a lot of money when you’re paying it year after year.
If You Have Health Issues There Are Options
There isn't just one way to get approved for life insurance in Canada thankfully. The right path depends on your health, how much underwriting you're comfortable with, and what the insurer is willing to offer.
This is the traditional route. Expect detailed health questions, bloodwork, a urine sample, and medical/lifestyle questions. For someone in reasonably good health, this is often where the strongest pricing shows up.
This looks a lot like traditional underwriting, except some applicants can skip the full medical exam. It moves faster, but not everyone qualifies, and the insurer still looks closely at things like age and health history.
Here, the health questions are shorter and there is no traditional medical exam. This is useful if your health history is more complicated.
This is the fallback when your health makes other options impossible. There are no medical questions or exam, but the trade-off is higher premiums, lower coverage limits, and a waiting period for certain non-accidental death benefits.
Being a smoker doesn't automatically decide which one of these routes you'll need. The rest of your health file matters too, and different insurers may treat the same combination of issues very differently.
ALWAYS Be Accurate on Your Application
If you’re not sure whether something counts as smoking or nicotine use, don’t try to figure it out yourself. Answer the question honestly with your broker.
I see this more often than you’d think. Someone quits, has a cigarette at a wedding or on vacation, and figures it doesn’t really count because they’re not a regular smoker anymore. From an underwriting standpoint, that occasional use matters.
Applications may also ask about:
Leaving out smoking, vaping, or nicotine use to get a better rate can create problems later. If information on the application is inaccurate or incomplete, the insurer may review it during the contestability period or at claim time. It’s much better to get the classification right from the beginning.
Not sure how your smoking or nicotine history will affect your rate?
Compare life insurance options in Canada
before you apply.
Frequently Asked Questions
What is usually the hardest part of the quitting cigarettes timeline?
Usually, the first week is the hardest. The cravings can be relentless, sleep is difficult, and people often feel far more irritable than they expect.
Then the challenge changes. The physical withdrawal starts easing, but the habits are still there. Coffee in the morning, driving home from work, having a drink with friends… those old smoking cues can sneak up on you long after the worst of the withdrawal has passed.
It’s important to not get overly confident.
How long does nicotine withdrawal last?
The physical part is usually measured in weeks, not months. For many people, symptoms last around two to four weeks, with the first several days being the toughest.
The cravings don’t always cooperate with that timeline, though. They can pop back up much later simply because something reminds you of smoking.
When will a Canadian life insurer consider me a non-smoker?
12 months without tobacco, nicotine or cessation products is what Canadian insurers require.
Vaping, nicotine gum, patches, lozenges, and other products may all affect when the insurer is willing to consider you for non-smoker rates.
Does vaping count as smoking for life insurance?
It often can, particularly when nicotine is involved.
That’s why moving from cigarettes to a vape doesn’t automatically mean you qualify for non-smoker pricing. Tell your broker exactly what you’re using and let them check how the individual insurer handles it.
Should I wait a year before buying life insurance?
If you already need the insurance, I wouldn’t wait just to chase a better rate. Remember life has a mind of its own and tomorrow can bring a lot of unforeseen change.
A mortgage doesn’t stop for 12 months. Neither do the financial needs of your spouse or children. You can put coverage in place now at smoker rates and revisit the policy once you’ve met the insurer’s non-smoker requirements.
Will my premium automatically drop after I quit?
No. The insurance company usually isn’t going to change the rate just because a year has passed.
You’ll need to ask for a review. At that point, the insurer will want updated health information, and your age and health today may also come into play.
I’d check the existing policy first. Then, if it makes sense, price a new one and compare the two. You don’t know which route wins until you look at both.
One thing I would not do:
Cancel the coverage you already have while a replacement is still being reviewed. Keep the old policy active until the new one has been fully approved, issued, paid for, and is in force.
