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28 May 2024
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Cheap Smoker Decreasing Life & Critical Illness Male Age 40

Decreasing Life Insurance with Critical Illness Cover for 40 Year Old Male Smoker

If you are a smoker and want to protect you family by providing them with a regular income should you die prematurely than your monthly premium will reflect you smoker status. The best buy tables below are for a male aged 40 on a smoker basis for decreasing term life insurance with critical illness cover of £150000 for a 25 year term.

It is worth noting that if you have stopped smoking but have used nicotine replacement products in the last twelve months then most life insurance companies will still class you as a smoker until you have stopped using them for twelve month.

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 enquiry form.

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

Best Buy Decreasing Life & Critical Illness Insurance Smoker

Cover for : Male Age 40 (Male and Females and now the same cost)

Type of cover : Decreasing Life & Critical Illness Insurance

Term policy : 25 years Smoker Rates Apply

Provider

Our Premium

Standard Premium

You Save

Benefit

Instant Quote

L & G

£90.58

£106.76

£4854 over term

£150000.00

Vitality

£93.26

£107.46

£4260 over term

£150000.00

Aviva

£94.55

£105.01

£3138 over term

£150000.00

Scottish Widows

£96.19

£108.35

£3648 over term

£150000.00

Royal London

£97.82

£111.16

£4002 over term

£150000.00

Cheapest premiums available for a male aged 40 smoker as of the 23/06/2023.

The premiums quoted are for illustrative purposes only. The premiums are based on an applicant being in good health and the actual rates you will receive will be dependent upon your health and individual circumstances at the time of application.

Cheap Smoker Decreasing Term Life Insurance with Critical Illness 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 term life & critical illness cover. We rebate 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 Life Insurance Advice

If you would like to speak to an advisor about your family income benefit requirements Go Direct offer fee free phone based life insurance advice. Call us today on 01603 271108 or complete our insurance advice form to request a call.

Compare Instant Life Insurance Quotes Today

Thankfully at Go Direct our discounted premiums can help cushion some of the increase in premiums you will have with out cheap smoker life insurance quotes. We rebate 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 life and critical insurance cover quote.

Go Direct.co.uk is a trading style for website purposes of Go Direct UK Ltd.

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