Life Insurance for Smokers Smokers and vapers can still get covered

Smoking or vaping doesn't prevent you from getting life insurance. Most UK insurers cover smokers — premiums are higher but cover is available. Compare quotes from leading UK insurers who cover smokers. Rated excellent on Trustpilot.

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How Smoking Affects Life Insurance

What you need to know about getting covered as a smoker.

All Insurers Cover Smokers

Every major UK life insurer offers cover to smokers. You will pay more than a non-smoker, but cover is available at every age.

Higher Premiums

Smokers typically pay 20-40% more than non-smokers for the same level of cover. Comparing quotes is essential as pricing varies between insurers.

Vapers and E-Cigarettes

Most insurers classify vapers and e-cigarette users as smokers. Some are beginning to offer better rates for vapers. A broker will call to find the best option.

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

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

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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.

Frequently Asked Questions

Yes. All major UK life insurers cover smokers. You will pay a higher premium than a non-smoker but cover is available for all types of life insurance including term, whole of life, and decreasing term.

Typically 20-40% more than non-smokers for the same cover. The exact increase depends on the insurer and your other health factors. Comparing quotes is essential.

Most insurers currently classify vaping and e-cigarettes as smoking. However, some insurers are beginning to differentiate. A broker will call to check which insurers offer better rates for vapers.

Most insurers require you to have been smoke-free for 12 months before offering non-smoker rates. After 12 months without smoking, you may be able to get a new policy at non-smoker rates.

Yes. Failing to disclose smoking status is non-disclosure and could invalidate your policy, meaning a claim may be denied. Always be honest on your application.

Comparing quotes from multiple insurers is the best way to find a competitive price. Pricing varies significantly between providers. A broker will call to compare.