Life Insurance for smokers
Life insurance can be different for people who are smokers or classed as a smoker. If you smoke then it can make getting life cover slightly more challenging.
You might be classed as a smoker because you use nicotine replacement products such as patches, nicotine replacement chewing gum, or e-cigarettes. You shouldn’t have an issue getting life insurance just because you’re a smoker, but you can make it more affordable by following a few simple steps.
We specialise in getting the best life insurance rates for smokers… rated ‘EXCELLENT’ by our customers on FEEFO
The facts about life insurance for smokers
Paying less for life insurance is important and especially so you can afford to get the most cover possible to protect your family. The most important thing is to make sure that you’ve got the right cover in case anything happens to you or your partner.
The process of getting life insurance as a smoker is as simple as for a non-smoker, so don’t be put off getting a policy.
How much does life insurance cost for smokers?
The amount you’ll pay per month for life cover will depend on a number of key areas that
Am I classed as a smoker? – Life insurance for smokers guidelines
Many people who smoke casually are unsure whether they are classified as a smoker. However, if you have consumed any of the below within the last 12 months, you will be placed under the smoker umbrella when concerning life insurance:
- Tobacco products
- Nicotine replacement products
- Tobacco use for cannabis smoking
Please be aware that underwritten guidelines for life insurance for smokers, including the above forms of smoking will vary depending on the life insurance provider you select.
If you can kick the habit and stop smoking for a period of 12 months or more, your policy will be evaluated and may be considered for long-term non-smoker rates. However, please ensure you are fully truthful when notifying your provider, as wrongful disclosures can cause your life insurance for smokers/non-smokers to become invalid.
Purchase your life insurance for smokers through iam|INSURED
If you are a smoker and are searching for affordable life insurance policies, suitable for your requirements, consider our array of life insurance for smokers policies today!
Contact our team for a free quote or to discuss your options moving forward.
We will do our utmost to find you a life insurance policy that will help you protect your priorities!