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A. Yes! Many companies don’t offer smoker's life insurance policies, but Matrix Direct offers coverage from RBC Insurance™, which has great smoker term life insurance rates. If you are a smoker, it’s important that you share this information upfront. This way, you can be guided to the options most suited to your needs and increase your likelihood of receiving coverage — at a good rate. Request a Quote on Smoker's Term Life Insurance Online. Also, be sure to talk with our licensed agents about the options available to you if you stop smoking. There is no charge or obligation to speak with them.