Telephone Number
01275 404 268



Life Insurance for Smokers

When it comes to buying life insurance as a smoker you need to come to terms with the fact that you are going to be paying much higher premiums than non-smokers. Cheap life insurance for smokers is very hard to come by. We have outlined all of the reasons that Life Insurance companies charge more for people that smoke, all of which can be seen below:


Everyone knows that smoking is bad for you, though not everyone knows exactly what it can cause. A few of the major health issues caused by smoking are listed below:

  • Heart Attack
  • Stroke
  • Cancer
  • Coronary Heart Disease
  • Blood Vessel Damage
  • Emphysema
  • Pneumonia
  • Chronic Bronchitis

Approximately 100,000 people die every year in the UK directly from smoking, with many more passing away from other related conditions. Research shows that smoking increases the chance of developing more than 50 serious or even critical illnesses which may be fatal, or have long lasting and irreversible affects.

These are the reasons that all life insurance providers in the UK increase your premiums when disclosed that you smoke. Life insurance for smokers will always be considerably more.

To give you an indication of how much you could save by kicking the habit, we have put together some comparative prices:

Figures are based on a 45 year old, looking for £100,000 cover over a 15 year Level term.


Smoker? Life Insurance Life & Critical Illness Cover
Yes £24.23 £107.30
No £12.37 £59.79

As you can see from the figures above, smoking really does have a big impact on the price you pay. If you are thinking of giving up, speak to one of our experts to find out which option may be most cost effective for you in the meantime.

Stopped Smoking Already?

Ex-Smokers Life Insurance

Insurance providers, you must have stopped smoking and using all nicotine replacement products for at least 12 months. Unfortunately many Insurance companies will not simply reduce the premium on your existing policy. Often you will need to re-apply for a new policy that is effectively ex-smokers life insurance.

Smokers Life Insurance

At Your Life Protected we work with the Leading life Insurance providers in the UK, as well as a panel of specialist providers. We understand their underwriting procedures and will be able to quickly identify which company will be able to offer you the best rates on life insurance for smokers.

To find out more about our process or to find out more about the best life insurance for smokers simply Get a Quote or give us a call.

Get a quote

Let us do the hard work and find the best deals for you

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Need help?

Call our UK Team

Telephone Number
01275 404 268


  • Friendly, personal service
  • We are not a call centre – we are a small dedicated business with years of experience
  • We can provide better rates than going direct to an Insurer