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Important Reminder
- The recorded figure for UK smokers (aged 18 and over) in 2023 was 11.6%.
– Source: gov.uk - The UK Alzheimer’s Society (2020) says smoking increases the risk of dementia. – Source: nhs.uk
- Smoking can also severely impact your disposable income as if you’re spending £14 on a pack of cigarettes and smoking half a pack a day for 10 years, this would cost you around £25,550.
– Source: nhs.uk - People who smoke have a 50% chance of dying prematurely
– Source: cks.nice.org.uk (2015).
As a smoker, premiums will be higher and to access this policy rate, you would have to be nicotine-free for 12 months.
According to life-pro.co.uk, as of 2024, smokers pay an average of £35.65 per month.
The amount of money that you are spending could be used towards a life insurance policy, from £5 a month for a 30-year-old non-smoker, who can secure a 20-year life insurance policy. That covers you up to £117,810.
Get a free quoteLive a healthy, long life with lower life insurance premiums.
Are you a smoker? Let’s find out.
A smoker is anyone who has used nicotine or tobacco products, such as cigarettes, vapes, patches, or gum, etc. Providing accurate information helps ensure you receive the right advice and are recommended the most suitable policy for your circumstances.
Is life insurance available for smokers?
Yes, life insurance is available for smokers however smoking is statistically linked to higher health risks so insurers may arrange smokers into a different risk category - making your premiums higher.
Always be honest about your lifestyle factors when taking out a life insurance policy
It’s important to disclose this information when getting life insurance, as if you don’t let your insurer know your e.g. A smoker , this could risk that if you ever do need to claim, then you may not get paid out due to you invalidating your policy.
Don’t take this chance!
What happens if my smoking status changes after I take out life insurance?
If your smoking status changes, whether you start smoking or quit smoking, you should Inform your life insurer. How this affects your policy or premiums depends on the insurer and the terms of your policy. If you stop smoking, you may be eligible for lower premiums, but this is assessed by the insurer.
DISCLAIMER: Quitting smoking doesn’t guarantee your premiums will drop as this is only one factor when taking out a policy. Most insurers require a person to be nicotine-free for at least 12 months before they consider reducing premiums.
What types of life insurance products are available for smokers?
Here you can find out about different policy’s that are suitable for smokers. Please take note that depending on your provider and other factors you could qualify for a different type of policy so we suggest you to speak to one of our experts.
Decreasing cover
Decreasing cover is a set-term policy where the payout reduces over time to cover shrinking debts like mortgages; stopping payments cancels the policy, freeing up your cash but leaving you unprotected.
Term life cover
You pay for coverage for a set time. If you stop paying, you save money now, but your family gets nothing if you pass away later.
Increasing cover
For this life cover, the pay-out amount increases each year usually due to inflation. This also results in your monthly premiums increasing however you have the option to decline an increase..
Whole of life
This life cover guarantees a payout upon death, whenever it occurs, provided premiums are maintained.
Critical illness cover
This cover can be added to your policy as an extra layer of protection to cover specific, serious conditions. Although this depends on your life insurance provider.
What happens if you stop paying your premiums?
If you cease paying premiums, your policy will be cancelled. While this results in a loss of coverage.
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A true match
We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted partner.
Free, easy service
We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.
Peace of mind
With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.
Get a free, no obligation quote
Apply through us to connect with experts who specialise in switching life insurance and can match you with a policy that fits your needs.
How do I choose the right life insurance policy?
Will I get any guidance?
Yes, our expert partners will call you and answer any questions you may have. They’ll listen to your unique circumstances and try to find the most suitable solution for you and your family.
Can I change my mind?
Yes, you have 30 days from taking out a policy to cancel, no matter what your reason for cancellation.
How do I know the insurance company will pay out?
Payouts are never guaranteed, however, 96.7% all claims did pay out in 2023, with the average policy payout in 2023 coming in at £80,403. The main reason payouts don’t occur is because essential information was omitted or false at the time of applying, so be sure to provide your insurer with all relevant details.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 5th February 2025.
Cover from £10 Per Month
From £10 per month for up to £300,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 5th February 2025.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
Cover from £5 Per Month
†From £5 per month for up to £100,000 is an example based on the following pricing illustrations.£5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 5th February 2025.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 20 Years
£175,000 level term Life Cover for 20 Years
£200,000 level term Life Cover for 20 Years
£225,000 level term Life Cover for 20 Years
£250,000 level term Life Cover for 20 Years
From £8 Per Month
Whole of Life
Whole of Life Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 5th February 2025.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
From £10 Per Month
Critical Illness
Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 5th February 2025.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
Testimonials
"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."
Lynn K
"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."
Alan S
"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."
Lou G
"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."
Paul M
"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."
Graham F
"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."
Brad J
"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."
Dave C
"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."
Hannah G
"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."
Mick D
"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."
Victoria S