Posted 2 Apr 2020
Life Insurance for smokers
Do you smoke and struggle to find appropriate life insurance policies which will protect your priorities? Here atiam|INSURED, we work with top UK life insurers, who offer life insurance for smokers.
The process of obtaining life insurance as a smoker is as straightforward as a non-smoker, therefore you shouldn’t come across any obstacles when applying for life insurance. However, the key underwritten guideline is that no further medical conditions are present. Insurance providers will request a copy of your medical history to ensure that your current health falls within their policy guidelines.
Additionally, when applying for life insurance for smokers or critical illness cover, you will experience an increase of life insurance premium loadings due to providers perception of an increased health risk. Please be aware that percentages will differ depending on your selected insurance provider when applying for life insurance for smokers.
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 revaluated 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 upmost to find you a life insurance policy which will help you protect your priorities!