Posted 2 Apr 2020

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.

Getting the best life insurance as a smoker is as simple as non-smokers, so you shouldn’t have any problems when you apply for life insurance. You’ll simply need to declare that you are a smoker and you’ll pay rates based on that lifestyle which will be slightly higher than non-smokers.

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.

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Life insurance for smokers guidelines

Here are some of the main questions that we get asked by people that smoke, and some of the things we’ve learned over the past 20 years.

How can I get cheap life insurance for smokers?

You’re a smoker which means that you’ll still be able to get life cover, you’ll pay smoking rates. These rates will be different to non-smokers but that’s not always a big difference.

Some insurance companies offer better rates for smokers than others,

Am I classed as a smoker for life insurance?

People who smoke casually are often unsure whether they are classed as a smoker or not. If you’ve used any of the products below in the past 12 months, you’ll be a smoker as far as life insurance is concerned:

  • Tobacco products (e.g. cigarettes, cigars, roll-ups, pipes, etc.)
  • E-cigarettes
  • Nicotine replacement products (e.g. chewing gum)
  • 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 utmost to find you a life insurance policy that will help you protect your priorities!

Daniel Sharpe-Szunko