It’s no secret that it is more difficult to get a life insurance for a smoker. However, there is definitely nothing stopping you from being able to obtain a policy - in fact, most 'normal' life insurance policies provide smoker friendly life insurance but simply place a higher premium on them.
Although it's not necessary to quit smoking before looking into life insurance, it can certainly help your chances of getting a policy and it can also help reduce any costs associated with your not so smoker friendly life insurance. Overall though, your insurance shouldn't be postponed, and although you may have a higher premium with life insurance for smokers, you'll at least know that you're covered in case the worst should happen.
No. Some people smoke a pipe or chew tobacco. All of these are direct sources of nicotine and harm you in some shape or form, however, with their own specific symptoms and associated illnesses. Therefore, each case has to be studied separately by doctors and insurance agents to provide you with the best quote for life insurance for smokers in the UK.
In the UK, Life Insurance for smokers is typically more expensive that non-smoker policies. As smoking has been identified as a key human carcinogen, smokers carry much higher risks of developing life-threatening diseases such as cancer and lung disease. Being realistic, smoker friendly life insurance can be almost twice as expensive as a non-smoker, which leads a lot of people to realise how risky the habit really is!
Coverage can range from £50,000 all the way to the millions - depending on many factors, and which provider is setting the coverage. Again, this is very similar to a standard policy, except it will cost more to take the life insurance for smokers out.
Every case is different, with many factors affecting a provider's decision:
Yes. Some companies even consider that in their contracts at the moment of signing smoker friendly life insurance policy. However, it is important to consider that, once a smoker, there will still have been some form of damage done to your lungs that will need further inspection.
Luckily, this damage can be reversed over time, giving you a great opportunity to not only reduce your monthly premiums, but also to help make you a healthier, happier person.
This one's easy! Click the button bellow to get yourself a free smoker friendly life insurance quote.
This review contains all the information about life insurance for smokers in the UK. If you're a smoker or recently quit, take a look at our free quotes now!