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14 Apr 2024
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Smokers Life Insurance

Cheap life insurance for smokers

With our cheap life insurance for smokers quotes although the monthly premium you pay will be higher as you are a smoker with our discounted premiums you can save money on the standard premiums. The insurance companies class you as a smoker if you have smoked any tobacco products in the last twelve months. Most companies will also class you as a smoker if you have used any nicotine replacement products in the last twelve months or vap.

In recent years many provders have alos started charging a higher premium ex smokers in the first 5 years of quiting. If this is you and you want life cover please contact us and our adviusirs can obtain a quote for the cover you want from a provider who still uses the 12 month rule.

How Will I Save When I am a Non Smoker ?

If you are considering giving up smoking and wonder how much you will save on you life insurance we have compiled best buy tables to show you how much cheaper the non smoker rates are compared to the smoker life insurance rates.

Below are the categories we have compiled simple best buy tables for all at our discounted cheap premiums (Updated June 2023).

Male Age 30 Best Buy Life Insurance Smoker & Non Smoker Tables for £100000 over 25 Years

Female Age 30 Best Buy Smoker & Non Smoker Tables for £100000 over 25 Years

Male Age 40 Best Buy Life Insurance Smoker & Non Smoker Tables for £100000 over 25 Years

Female Age 40 Best Buy Smoker & Non Smoker Tables for £100000 over 25 Years

Male Age 50 Best Buy Life Insurance Smoker & Non Smoker Tables for £100000 over 15 Years

Female Age 50 Best Buy Smoker & Non Smoker Tables for £100000 over 15 Years

Smoker Life Insurance Advice

If you are a smoker and looking to take out life insurance then we can help guide you through your options. Some insurance companies may allow you to amend an existing policy to a non smoker policy whilst some will require you to reapply, which will mean you health being reassess.

Go Direct offer independent phone based advice to help you find the right life insurance all with our best price guarantee promise. Call us on 01603 271108 or try are quick life insurance quote system for an instant quote.

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Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority Registered in England & Wales Company 5703224. FCA Number 456600