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Life Insurance for Smokers

Smoking and life insurance

We all know that smoking is bad for your health. It is also a very expensive habit. However, you might not realise that if you smoke it could also affect your chances of getting affordable life insurance cover.

Because smokers typically die younger, insurers have to mitigate their risk by levying higher premiums on people they class as ‘smokers‘.

But who do insurers classify as a smoker, and what is the impact on their life insurance cover?

How do insurers classify a smoker?

In life insurance terms, if you have smoked or used any tobacco products in the past 12 months, you are classed as a smoker.

This means everyone from a 20-a-day cigarette smoker, through to the occasional cigar puffer is, in the insurer’s eyes, a smoker and therefore deemed a higher risk.

Life insurance for smokers


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Is vaping classed as smoking?

On the road to quitting, many move to using nicotine replacement products such as patches, gum or most significantly in recent years’ e-cigarettes (vaping).

Whilst turning to these alternative products can improve your health, insurers will still regard you as a smoker until you are free of nicotine for at least 12 months.

Read our blog post on smoking and vaping »


Important considerations for smokers:


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