Smokers Decreasing Life Insurance for 30 Year old

If you are a smoker and want to protect you family by providing them with a lump sum to repay a mortgage should you die prematurely than your monthly premium will reflect you smoker status. The best buy tables below are for a Decreasing Life Insurance for 30 Year Old Smoker

It is worth noting that if you have stopped smoking but have used nicotine replacement products in the last 12 months then most life insurance companies will still class you as a smoker until you have stopped using them for a minimum of 12 months (some providers still charge a higher premium within 5 years of quitting smoking).

However if you have not smoked in the last twelve months but have used nicotine products we may still be able to obtain a non smoker life insurance policy. If you would like to find out more please call us on 01603 271108 or complete our inquiry form.

Below are examples of the quotes you can obtain via Go Direct's online discounted life insurance quotes system.

Best Buy Decreasing Life Insurance Smoker:

Cover for: 30 Year Old Type of cover: Decreasing Life Insurance

Term policy: 25 years Smoker Rates Apply

Provider Top Premium Standard Premium You Save Benefit
AIG £5.85 £6.70 £255.00 over term £150000.00
LANDG £6.28 £7.25 £291.00 over term £150000.00
AIG £6.55 £7.43 £264.00 over term £150000.00
Aviva £6.62 £7.34 £216.00 over term £150000.00
Zurich £7.34 £8.15 £243.00 over term £150000.00

Cheapest premiums available for a 30 year old male or female smoker as of the 25/05/2024.

Cheap Smoker Decreasing Life Insurance Quotes

Thankfully at Go Direct our discounted premiums can help cushion some of the increase in premiums you will have as a smoker for your decreasing life insurance policy. We sacrifice a minimum of 50% the initial commission we could receive for setting up your policy back into your policy to offer you a cheap decreasing term life insurance quote.

Smoker Mortgage Life Insurance Advice

If you would like to speak to an advisor about your decreasing life insurance requirements Go Direct offer fee free phone based life insurance advice. Our advisers can help you find the right solution for your protection to fit your budget. You will also receive the same cheap life insurance quote as you find on our website. Call us today on 01603 271108 or complete our insurance advice form to request a call.