Life Insurance

Life Insurance for Smokers.

Prepare for life’s uncertainties with Pure Cover’s Life Insurance for Smokers, offering essential protection.

What is Life Insurance for Smokers?

As the name indicates, life insurance for smokers, also known as smoker coverage, is a specially tailored insurance service provided for those who smoke. This type of insurance plan is developed by acknowledging that the life expectancy rate in smokers is typically lower compared to non-smokers. These policies are harbored under the umbrella of smoker life assurance and are designed to provide financial stability to your loved ones in the unfortunate event of your death.

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Does Smoker Friendly Life Insurance Only Cover Cigarette Smokers?

Are you a pipe smoker, or perhaps you prefer chewing tobacco? Each form of tobacco consumption, however, comes with its own specific symptoms and associated illnesses. It’s important to remember, these aren’t just habits, they’re direct sources of nicotine that can impact your health in various ways. Therefore, each situation deserves a unique look from medical professionals and insurance agents. They’ll study your case individually to provide the best possible quote for life insurance for smokers in the UK.

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Secure your family’s financial future with Pure Cover’s Life Insurance for Smokers. This specialized insurance provides essential protection, adjusting to your changing needs over time

What Coverage Can Smokers Expect From Their Life Insurance?

The coverage for life insurance for smokers can vary vastly, starting from £50,000 and potentially reaching into the millions. Factors influencing this range include the individual’s circumstances and the insurance provider’s policies. The catch, however, is that the premium will be higher for smokers as compared to a standard policy.

Frequently asked questions

What is Life Insurance for Smokers?

How can quitting smoking impact my life insurance?

What should I consider when choosing a Smoker's Life Insurance policy?

How can I find the best rates for Smokers Life Insurance?

Can vaping or e-cigarette use impact my life insurance policy?


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Take the proactive step of securing Life Insurance for Smokers from Pure Cover to ensure lasting peace of mind and protect your family’s well-being.

How to get life insurance as a smoker

Here’s a little inside scoop – securing life insurance as a smoker can seem like a daunting task. But, wipe that furrowed brow, because there’s good news. Most standard life insurance policies, in fact, offer smoker-friendly life insurance

What is Life Insurance for Smokers?

As the name indicates, life insurance for smokers, also known as smoker coverage, is a specially tailored insurance service provided for those who smoke. This type of insurance plan is developed by acknowledging that the life expectancy rate in smokers is typically lower compared to non-smokers. These policies are harbored under the umbrella of smoker life assurance and are designed to provide financial stability to your loved ones in the unfortunate event of your death.

Smoker life policies generally cover both current and past smokers, and can even extend to occasional smokers. Age, the type of tobacco products used, and the frequency of use can all significantly impact your premiums. However, what one needs to understand is that life insurance for smokers doesn’t just cater to tobacco users. It often includes those who partake in other smoking practices, such as cigar smoking, pipe smoking, and even chewing tobacco.

What are My Options

Have you considered kicking the smoking habit before diving into the search for life insurance? While it’s not a prerequisite, it could significantly boost your prospects of landing a policy. Plus, it can help slice off some dollars from those not-so-smoker-friendly premiums. However, let’s not stall the insurance hunt. Yes, as a smoker, you might face steeper premiums, but at least you’ll have the peace of mind knowing you’re covered should life throw you a curveball.

How Smoking Affects Your Coverage

One cannot shy away from the fact that smoking significantly impacts insurance plans. Essentially, the risks associated with tobacco use translate into higher premiums for those applying for smoker coverage. Life insurance companies typically classify policyholders into two significant categories: smokers and non-smokers, with the former class incurring higher costs due to the substantial health risks related to smoking.

In the eyes of insurance providers, those who smoke display an increased risk of mortality, which, in turn, makes them higher risk entrants. Underwriters consider several factors while calculating your premium, such as frequency of smoking, type of tobacco used, and your overall health. Smoking is also seen as a potential catalyst for numerous health complications like cancer, heart diseases, and respiratory conditions. So, the smoking impact on your coverage is substantial and undeniable.

Costs for Smokers

The realm of insurance is one dominated by risk assessments, and life insurance for smokers is no exception. Because smoking is innately associated with an increased medical risk, premiums for smoker insurance plans are notably higher compared to their non-smoking counterparts. In essence, the riskier you are as a policyholder, the higher your insurance cost will be.

That said, every insurance company has their unique mechanism of cost calculation; hence, smoker insurance costs can vary from one provider to another. While these costs may appear steep, it is vital to remember that having a more expensive policy is better than having no policy at all. Insurance for smokers does not just safeguard your family’s financial future but also encourages you to quit smoking by offering incentives.

What’s the Real Cost of Life Insurance for Smokers?

Did you know, in the UK, that life insurance premiums for smokers can be almost double compared to non-smokers? This is mainly due to the higher risk factors associated with smoking, such as increased chances of life-threatening illnesses like cancer and lung disease. The realization of this cost difference often serves as a wake-up call about the true hazards of smoking.

Can I Qualify for Life Insurance If I Smoke?

Obtaining life insurance as a smoker isn’t a one-size-fits-all affair. Various factors influence an insurer’s decision:

  • Your track record with quitting smoking
  • The duration of your smoking habit and your age when you started
  • Your current age, as older individuals tend to have a higher risk of health issues
  • Medical history patterns in your family
  • Your personal medical history
  • Your weekly level of physical activity

Quitting and Its Impact on Insurance

A common query among smoker policy subscribers is the effect of quitting on their policy, and we have good news. The act of quitting smoking can markedly reduce your insurance premiums. Insurance providers applaud positive lifestyle changes, hence those who quit smoking can often apply for non-smoker rates. Bear in mind that the waiting period to be considered a “non-smoker” is typically one year of absolute abstinence from any form of tobacco.

The path of quitting smoking, regardless of how arduous, is rewarded generously by most insurers. They validate this transition by reducing premiums significantly. When you opt for quitting smoking, you aren’t just opting for better health, but also improved financial strides via lower insurance costs.

What Happens to My ‘Life Insurance for Smokers (UK)’ Plan If I Kick the Habit?

Definitely! You’ll find that some insurance companies anticipate such positive life changes, incorporating provisions for this in their smoker-friendly life insurance policies. However, it’s crucial to keep in mind that your past smoking habit may have left some lingering effects on your lungs that warrant further assessment.

The silver lining? This damage can actually be reversed over time. This opens up a golden opportunity for you not just to potentially lower your monthly premiums, but also to journey towards a healthier, more fulfilling life.

Policy Options

Several policy options are catering to the specific needs of smokers, each with its own set of benefits and drawbacks. Term insurance, Whole life insurance, and Critical Illness insurance are just few among the many smoker insurance plans available at Pure Cover. Term insurance is a plan that provides cover for a specified period, while whole-life insurance provides lifetime coverage.

On the other hand, critical illness insurance offers a lump sum payment if you’re diagnosed with a specific illness covered within the policy. It is essential to thoroughly understand each policy before settling on one. Your decision should be based on your budgetary limits, lifestyle considerations, and, most importantly, your own peace of mind.

Finding the Best Rates

Finding the best insurance rates as a smoker might seem like a challenge, but it isn’t impossible. A key tip is to compare prices across different smoker insurance providers. Remember, every company evaluates risk differently, so rates can vary from one provider to the next. Furthermore, adopting a healthy lifestyle that features a balanced diet and regular exercise can help get a more favorable premium rate.

Here at Pure Cover, we make life simpler for you by breaking down each policy and provider. This enables us to help you unearth the best possible life cover to meet your needs. You can take advantage of our platform to conveniently get a quote in minutes, making the quest to find the best rates seamless and user-friendly.

Looking for Life Insurance as a Smoker in the UK? We’ve Got You Covered!

Great news! Securing a life insurance policy as a smoker just got easier. Simply click the button below to unlock your free, smoker-friendly life insurance quote.

Our review is packed with all the must-know details about life insurance for smokers in the UK. Whether you’re currently smoking or recently kicked the habit, our free quotes are tailored to your needs. Check them out now!


Everyone deserves the assurance of knowing that their family’s financial future is secure, and this is where Pure Cover comes into play. We offer diverse life insurance solutions for smokers, providing comprehensive coverage that caters to your unique needs. Ensuring an extensive understanding of your policy is crucial so that it aligns perfectly with your requirements.

Finding a quote is stress-free with Pure Cover. Our in-depth reviews breakdown each policy and provider to assist you in identifying an optimal life cover solution.

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