Smokers Cheap Smokers Life & Critical Illness Insurance for Male & Female Age 40

If you are a smoker and want to protect you family by providing them with a lump sum should you die prematurely or suffer a serious illness then your monthly premium will reflect you smoker status. The best buy tables below are for a Term Life Insurance for 40 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 Directs online discounted level term life & critical illness insurance quotes system.

Term Life Insurance with Critical Illness Cover Quote

Cover for: 40 Year Old (Male and Females are now the same cost)

Type of cover : Term Life & Critical Illness Insurance

<
Provider Top Premium Standard Premium You Save Benefit
AIG £126.32 £143.03 £5013.00 over term £150000.00
LANDG £134.13 £158.10 £7191.00 over term £150000.00
Vitality £135.31 £153.80 £5535.00 over term £150000.00
SW £137.91 £153.39 £5244.00 over term £150000.00
LV £149.29 £169.65 £6108.00 over term £150000.00

Cheapest premiums available for a 40 year old male or female smoker as of the 25/05/2024.

Cheap Smoker 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 term life & critical illness cover. 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 term life & critical illness insurance quotes.

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

If you would like to speak to an advisor about your smoker life and critcical illness cover 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 quotes as you find on our website.