Life Insurance for Smokers

Securing the best life insurance as a smoker doesn’t need to feel overwhelming.

Securing the best life insurance as a smoker doesn’t need to feel overwhelming. Although the cost may be higher due to your habits, it’s still possible to find affordable coverage.

Key points for life insurance for smokers – you will be classified as a smoker if you use cigarettes, cigars, vapes, or e-cigarettes. To be considered a non-smoker, you must be nicotine-free for at least 12 months (duration may vary by insurer), including nicotine replacement products.

The cost of coverage is generally lower when you are younger.

You can obtain life insurance even if you are a smoker. Whether you smoke cigarettes, cigars, use vapes/e-cigarettes, or have quit smoking in the past, there are life insurance options tailored to your needs.

It’s important to note that as a smoker, you may encounter ‘loaded’ premiums, reflecting the higher risk you present to the insurer. To find the most cost-effective coverage for your unique situation, comparing quotes from different providers is highly recommended.

Do I need to tell insurers that I smoke?

When applying for life insurance, it is important to disclose if you are a smoker. Insurers require this information to accurately calculate your monthly premium.

You will likely be asked a straightforward yes or no question regarding your smoking status. If you answer yes, you may need to provide additional details about your smoking habits, such as:

  • What do you smoke (cigarettes, cigars, vape, etc.)?
  • How long have you been smoking?
  • How frequently do you smoke (daily, weekly, occasionally)?
  • Have you experienced any health issues due to smoking?

It is crucial to be transparent about your smoking habits during the application process. Remember, being a smoker is unlikely to result in a denial of coverage. Honesty is key when it comes to obtaining life insurance.

Why do smokers require life insurance?

Life insurance serves as a crucial financial safeguard for your loved ones in the event of your passing.

Smoking is associated with a higher risk of developing certain medical conditions, underscoring the necessity of having appropriate protection in place for unforeseen circumstances.

How do insurers classify a smoker?

Most commonly, insurers will classify you as a smoker if you’ve regularly used any nicotine, tobacco or substitutes in the last 12 months. This includes cigarettes, cigars, smoking a pipe, e-cigarettes, vaping (both nicotine and non-nicotine-based liquids) and nicotine patches, gum or lozenges.

However, the time period can vary between insurers and could be as long as five years.

Speak to our experts

With access to 1000s mortgages from over 90 high street lenders, we can help you find the right mortgage. Our five-star Google reviews back this up. Call us now and speak to a member of our experienced team.

Frequently asked questions

Is Joint Life Insurance cheaper than single Life Insurance?

Can critical illness cover be added to a joint life insurance policy?

Because we play by the book we want to tell you that…

For insurance business we offer products from a choice of insurers. Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

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