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Life Insurance for Smokers
It is important to firstly be aware that as a smoker, your life insurance payments will be much higher than those of a non-smoker.
The main reason for this is that there is a much higher chance of claiming on you policy due to the number of smoking related illnesses.
Although you are not able to avoid the higher premiums, at Your Life Protected we can search the market for you to track down the most competitive level of cover at a price that is right for you.
In the insurance market today, to be classed as a non-smoker you must have stopped for a minimum of a 12 month period. What does surprise people is the fact that you have to have been free from any nicotine replacement product for over 12 months as well. So if you’re thinking of giving up so that you can qualify for non-smokers life insurance rates, bare this in mind.