Life Insurance For Ex Smokers Quit smoking? Your premiums could drop by half

Most insurers reclassify you as a non-smoker 12 months after quitting. This can cut your life insurance premiums by 50% or more. Compare quotes to find your new rate.

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How Quitting Smoking Affects Your Premiums

The sooner you quit, the sooner you save.

12 Months To Non-Smoker Rates

Most UK insurers reclassify you as a non-smoker 12 months after your last cigarette, cigar, pipe, or nicotine product. Your premiums can drop by 50% or more.

Already Have A Policy?

If you took out cover as a smoker and have now quit for 12+ months, you may be able to get a new policy at non-smoker rates. The savings could be significant.

Be Honest About When You Quit

Insurers may verify your smoking status through medical records or a cotinine test. Always be honest about your quit date to avoid claim issues.

Save 50%

After Quitting

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Smoker vs Ex-Smoker Premiums

How much you could save after quitting (£200,000 level term, 25 years).

Age	Smoker Rate	Ex-Smoker (12m+)	Annual Saving
30	£16/month	£9/month	£84/year
35	£22/month	£12/month	£120/year
40	£32/month	£17/month	£180/year
45	£48/month	£27/month	£252/year

Indicative savings. Actual premiums depend on individual circumstances. Get a personalised quote.

Ex-Smoker Life Insurance FAQs

Common questions after quitting smoking.

Most insurers require 12 months nicotine-free. Some require 2 years for certain products. A broker knows which insurer has the best terms for your quit date.

No. If you switched from cigarettes to vaping, most insurers still class you as a nicotine user. You need to stop ALL nicotine products for 12 months.

Possibly. If you quit 12+ months ago and are paying smoker rates, a new policy at non-smoker rates could save you 50%. But check you can still get cover first — your health may have changed.

You will still be classed as a smoker. However, you can take out a policy now and apply for a new one at non-smoker rates once you reach 12 months nicotine-free.

Some insurers request a cotinine test (urine or saliva) which detects nicotine use in the last few weeks. Always be honest — a positive test after declaring non-smoker can void your policy.