Cheapest life insurance for smokers
Do you smoke and struggle to find affordable life insurance to protect your family? You’ll be classed as a smoker by insurance companies but that’s not usually a major problem if you speak to the right people.
You’ll be able to get better rates if you shop around and make sure that you speak to the right insurers.
There’s no secret and there’s no special company who can offer you magic life insurance rates for smokers so it is what it is, unfortunately. You’ll need to let your insurance company know that you smoke when you apply which will automatically apply smoker rates to your premiums.
The simple fact is that some life insurance providers are cheaper than others for smokers.
More information SMOKERS LIFE INSURANCE
Best life insurance companies for smokers
There are some insurance companies that are better than others for smokers, but this depends on your age, health, and when you apply. Your premiums will be based on your personal circumstances so it is worth getting quotes from a life insurance expert with access to multiple providers.
Some of the lower-cost insurance companies include Legal & General, Aviva, Vitality, Zurich, and AIG
Cheap life insurance quotes for smokers
You’ll be able to get quotes from most of the UK’s insurance companies if you’re a smoker. Most of the top insurance providers offer quotes for smokers at most ages as long as you don’t have any other health issues.
Getting the best quotes can be based on a number of different things for smokers:
– How many cigarettes do you smoke in a day?
– What type of nicotine products do you use?
– Have you got any medical conditions linked to smoking?
– Do you have any other health problems?
You can also get critical illness cover and income protection as a smoker from pretty much any insurer in the UK. Some providers will charge more than others for smokers which is why you need to shop around to get the best rates.
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.