Can I get term insurance cover if I am a smoker or tobacco user?

You can totally get term insurance if you are a smoker or tobacco user of any kind. However, you would require paying higher insurance premiums than non-smokers at the time of purchasing the policy.

The main reason is the mortality rate of smokers being higher than the individuals who don't smoke. As the likelihood of passing away from smoking-related causes is so prevalent, life insurers charge higher rates to compensate for the risk of extending term insurance for smokers.