Will I need to take a medical exam?
Insurers have the right to request for you to undergo a medical exam during the application process.
However, this doesn’t mean they will always ask for one.
If you have declared smoking, insurers may ask for a medical exam to be conducted to get a better idea of your health and wellbeing.
Ultimately, whether you need to undergo a medical will depend on the insurer and their underwriting process.
How will a joint life insurance policy be affected by smoking?
A joint policy is often a great way to save money on a policy but smoking may have an adverse effect if one party is a smoker and the other isn’t.
A joint life insurance policy covers two lives simultaneously, meaning there’s only one application form to fill out about both lives and one premium to pay.
If one party declares their smoking habits, the non-smoking party will also be penalised and will need to pay inflated premiums.
In this scenario, it can be beneficial to secure two separate policies.
Can smoking e-cigarettes affect life insurance premiums?
Yes - similarly to vaping, most insurers will increase the price of your premium if you have used any form of e-cigarette within the last 12 months.
While switching to an e-cigarette or vape shows you have good intentions of quitting, the technology is still fairly new and medical professionals are unsure of the long-lasting health effects.
What about smoking cigars?
Yes - the use of any nicotine product classes you as a smoker in the eyes of insurers, which includes cigars.
However, in the same way occasional smokers may not be penalised, if you only have the odd cigar on special occasions you may be classed as a non-smoker.
Again, this will vary depending on the insurer’s threshold.
As always, it’s best to discuss your cigar smoking truthfully during the application process.
What about cannabis smokers?
Yes - just like with smoking cigarettes, you’ll need to disclose your cannabis usage at the point of application.
Smoking cannabis can fall under ‘recreational drug use’ when applying for life insurance.
Smoking cannabis can have similar health affects to smoking cigarettes, so some providers will offer life insurance to cannabis users on the same terms they offer to smokers.
Generally, it will depend on the insurer’s stance on recreational drug use.
You can find more information about life insurance and drug use by reading our complete guide.
What if I’m an ex-smoker?
If your smoking habit is now in the past, you may not be penalised for your old habits.
If you’ve been free of cigarettes for years and have no long-lasting health problems as a result, you could take out cover on standard terms.
However, if you smoked for a large proportion of your life, insurers may still deem you as risky as there could already be long-lasting effects on your health.
Insurers will need to take into consideration your personal circumstances to determine the price you’ll pay.
Comparing quotes will help you to find the insurer who will offer the most favourable terms.