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Life Insurance for Smokers


Becky Simmonds,
25 April 2022

Reading time: 5 minutes

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Those who smoke or vape will find that they will pay higher premiums, which is why it is important to compare Life Insurance. Using QuoteSearch can help you find the right policy at the right price. Click here to start your free Quote

Can I get Life Insurance if I smoke?

This will depend on your insurer. It is unlikely for a smoker's Life Insurance to be declined solely because they smoke, but it could be if you smoke excessive amounts, you've been smoking a long time or have experienced health implications as a result.

Smokers will often find they will pay a higher price compared to a non-smoker for the same amount of cover.

Why does smoking affect Life Insurance?

The reason smoking increases the cost of your premium is because of the known link between smoking and several health problems. According to NHS.UK, smoking is one of the biggest causes of death and illness in the UK and increases your risk of developing more than 50 serious health conditions. For example, smoking can increase your chances of heart attacks, strokes, pneumonia and multiple types of cancers.

Therefore, due to the increased risks of smoking and the impact on policy claims, the premiums are more expensive compared to someone who doesn't smoke and lives a healthier lifestyle.

Does vaping count as smoking to insurance companies?

Yes. Most insurance companies will class you as a smoker if you have smoked or used any nicotine or nicotine replacement products in the last 12 months. This includes, but is not limited to vaping, using nicotine patches or gum.

To be classed as a non-smoker from an insurance perspective, usually, you will need to have stopped smoking, vaping, or using any nicotine or nicotine replacement products completely for at least 12 months. Stopping smoking for good, can bring down the cost of Life Insurance premiums, as well as improve your general health.

For more information begin your free quote here.

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