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Life Insurance for Smokers

Vaping and smoking cigars also comes under 'smoking'. Smokers in the UK can get a policy and shouldn't give up hope. An established, experienced broker can source the market for the best prices.

For a smoker, getting a life insurance policy agreed and signed can seem like a very arduous task and impossible almost. After all, smoking has been proven to lead to life threatening illness such as lung disease and cancer.

Society has tried to make cigarettes less publicly available with far less media coverage for well known cigarette brands, Making cigarettes, cotinine and nicotine  more expensive to purchase has dissuaded many (young and old) from smoking nicotine and tobacco products, but still the habit, the addiction to nicotine is very hard to break for many, and for a smoker, life insurance is harder to obtain. Life insurance premiums are higher so finding a lender who will approve a policy at an affordable agreeable rate, on one’s own can be an often energy sapping, time consuming task.

If you are a regular smoker and if you have smoked in the past 12 months, monthly premiums will be higher. Vaping and smoking cigars also comes under ‘smoking’. Smokers in the UK can get a policy and shouldn’t give up hope. An established, experienced broker can source the market for the best prices. There are brokers who don’t have access to the whole market and there are those who do.

Getting a decent life insurance policy as a smoker isn’t all about getting just a low price, because premiums will be higher for a smoker anyhow. The policy should meet your own personal needs as well. A useful clause people choose to have in a policy for a smoker, is to be able to re-negotiate premiums if health or personal circumstances change.

How to Apply for Life Insurance if You’re a Smoker

As mentioned previously, life insurance premiums can go up even for an occasional smoker.  It’s known that people say they haven’t when they have; but it’s always important to be honest when you apply. During assessments by your insurer may review your medical history and carry out medical tests such as blood tests, THC tests (marijuana use), and asking you to provide urine samples. Also, previous life insurance applications can be accessed as well as your social media posts.

Tests can reveal more than you might think so be honest. An insurer can use a contestability period when you are covered, which basically means that if your insurer discovers you lied during your application, they can deny any claims (so there would be no pay outs) and they would refund any premiums you paid in before they terminate the policy. Outside the contestability period, an insurer can still lower the amount you are covered for and even increase your monthly premiums. So, always be honest and you can sleep more soundly with less worry, and life insurance protection will be in place for your family.

The Impact on Life Insurance Rates for Smokers

A smoker’s cough can develop into an illness far worse, so if the risk to insure is higher, this will be reflected in the premiums to pay.  Premiums for a non smoker would be less. If you are aged 40 and you have smoked for 20 years there is greater risk attached, than there would be for someone who has just smoked their first cigarette aged 25. Rates for non-smokers can be two or three times lower than rates for smokers.

Find the Best Life Insurer

There are insurers who specialise in insuring smokers so a better deal (more coverage) from that type of insurance company is possible.   For example:

  • If you stop smoking your premiums will decrease: You will save money and become healthier as a result.
  • Improved rates: An insurer can be lenient in different ways. Better rates can be achieved for example for occasional smokers or if you stop smoking.

Unfortunately, smokers are penalised quite harshly when they buy life insurance, but it is possible to find a good deal with reasonable rates and cover..

Types of Life Insurance for Smokers to Consider

Everyone has different needs, different requirements so each policy can be unique to the policyholder. There is a probability of finding suitable insurance providers if you consider the following policy types:

  • Whole Life Insurance: As long as premiums continue to be paid, this type of policy stays active. An advantage is, you can draw from the policy when a set amount of money that the insurer puts aside each month from your premium, has built up. This is not always the cheapest option.
  • Guaranteed Insurance: You may have heard of policies that require no medical examinations, well this is it.   If you smoke, coverage can be capped by the insurer, and premiums aren’t necessarily based on how often and what you choose to smoke. Gender, the amount of cover and age are more relevant. If you are a smoker who is in pretty good health, it would be useful to get quotes from insurers / brokers who can tap into life insurance policies that are overseen by medical underwriters as standard.
  • Term Life Insurance: This is usually the least expensive option and the easiest to put in place. Term Life lasts for a set number of years and once the end of the term is reached, the policyholder is no longer insured. There is a pay out to beneficiaries if the policyholder dies during the period of coverage. This often works out to be the more popular and most affordable life insurance choice for smokers.

Prime Financial Solutions and Mortgages Ltd

If you smoke and you need help to find a suitable Life Insurance policy or any of the following below, Prime can help – telephone 01942 665 436:


Getting a life insurance policy if you are a smoker (or having smoked in the last 12 months) can feel like an uphill struggle in many ways. When you choose Prime to search the whole market for the best deals, you’re choosing a company that works hard on your behalf to get you great options in what can be a very complex, frustrating and time consuming processes.

At Prime we have an exceptional FCA approved team of life insurance & mortgage specialists who work for you – our focus is totally on getting the best possible outcome for you. Quotes are free. We provide excellent one to one services tailor made to your own individual needs and we make your time with us hassle free – we do all of the heavy lifting and in doing so we take the weight off your shoulders.

Prime is proud of the reputation it has built over many years, and this is largely reflected through the positive reviews we receive on a regular basis from customers in Wigan, Greater Manchester and across UK, in person, on Trust Pilot and Google online.

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Perhaps you have questions you need to ask and you’re stuck on what actions to take?  Like… What’s best for a smoker, a Whole Life policy or Term Life? Will my application be rejected if I spend a lot of time around people who smoke?  Our dedicated team of experts can answer any and all of your questions – just let us know.

Getting life insurance or a mortgage agreed is a major step forward in life. With a life policy or a critical illness policy in place you can ensure your family is taken care of if there is sudden terminal illness or if your life should end. You can find out more about us and what we do here and if you need help with anything else, Prime can help. Click here to Get a Life Insurance Quote or use our quick contact form to get in touch. Our friendly dedicated team is available by telephone 01942 665 436 during office hours.


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