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If you have used any tobacco products within the last twelve months then you are classed as a smoker.
Whilst there’s no getting away from the fact that being a Life Insurance Smoker will result in your premiums being more expensive than those who do not smoke, this doesn’t mean that you are unable to obtain life insurance and it very probably doesn’t cost you as much as you think.
After you fill out our easy online quote form we will search the market, finding you the cheapest and most suitable Smokers Life Insurance Quotes available for your requirements.
You can then discuss any questions you may have to one of our specialist and fully FSA qualified advisors who will also be able to carefully guide you through the whole process of purchasing life insurance for smokers.
Here are the different types of Life Insurance For Smokers Available:
Increasing Smokers Life Insurance
This Life Insurance Policy can be reviewed to asses it’s value against inflation. This is usually done on a yearly basis and it gives you the option of increasing your premiums slightly to protect it and ensure your policy retains it’s true value throughout its whole lifetime.
Decreasing Life Insurance For Smokers
Opposite to increasing, the value of this insurance policy decreases over time and is usually used to cover your mortgage.
Because the value of your mortgage decreases over time as you are paying it off, you won’t always require the same level of cover throughout the duration of the policy.
Term Life Insurance For Smokers
This is where the value of your Smokers Life insurance policy remains the same throughout it’s lifetime.
This policy is mostly suitable for paying off your mortgage, covering your funeral expenses and to pay off any debts, outstanding loan payments, hp purchases, credit agreements etc.
TOP TIps
Did you know that purchasing critical illness insurance at the same time as your smokers life insurance can save you quite a lot of money on your premiums compared to purchasing them both separately.
If you have already purchased Life Insurance and have not used any tobacco products within the last twelve months then you should fill out our online life insurance quote form as soon as possible as you could be paying more than you should for your life insurance and could be entitled to lower premiums.
Still unsure? Visit our UK Life Insurance Jargon Buster page which explains all the complicated insurance terminology.
Alternatively, you can visit our help / faq’s page which answers many different frequently asked questions.
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