Smoker Life Insurance

Are you a smoker, or someone who has previously smoked? looking for affordable Smoker Life Insurance ? At Life Insurance Cover we can help find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.

life insurance for smokers

Information About Smoking

Smoking is one of the biggest causes of death and illness in the UK. Every year around 78,000 people in the UK die from smoking, with many more living with debilitating smoking-related illnesses. Smoking increases your risk of developing more than 50 serious health conditions.

Some may be fatal, and others can cause irreversible long-term damage to your health.

You can become ill:

You smoke yourself

If people around you smoke (passive smoking)

Smoking Health Risks

Smoking causes around 7 out of every 10 cases of lung cancer (70%). It also causes cancer in many other parts of the body, including the:



Voice box (larynx)

Oesophagus (the tube between your mouth and stomach)








Other Damage Caused By Smoking

Smoking damages your heart and your blood circulation, increasing your risk of developing conditions such as coronary heart disease, heart attack, stroke, peripheral vascular disease (damaged blood vessels) and cerebrovascular disease.

Smoking also damages your lungs, leading to conditions such as:

Chronic obstructive pulmonary disease (COPD), which incorporates bronchitis and emphysema


Smoking can also worsen or prolong the symptoms of respiratory conditions such as asthma, or respiratory tract infections such as the common cold.

In men, smoking can cause impotence because it limits the blood supply to the penis. It can also reduce the fertility of both men and women.

Health Risks Of Passive Smoking

Second-hand smoke comes from the tip of a lit cigarette and the smoke that the smoker breathes out. Breathing in second-hand smoke, also known as passive smoking, increases your risk of getting the same health conditions as smokers.

For example, if you have never smoked but you have a spouse who smokes, your risk of developing lung cancer increases by about a quarter.

Babies and children are particularly vulnerable to the effects of second-hand smoke.

A child who’s exposed to passive smoke is at increased risk of developing chest infections, meningitis, and a persistent cough and, if they have asthma, their symptoms will get worse.

They’re also at increased risk of cot death and an ear infection called glue ear.

Ways to Quit Smoking

Nicotine replacement therapy (NRT)

The main reason that people smoke is because they are addicted to nicotine. NRT is a medication that provides you with a low level of nicotine, without the tar, carbon monoxide and other poisonous chemicals present in tobacco smoke.

It can help reduce unpleasant withdrawal effects, such as bad moods and cravings, which may occur when you stop smoking.

Treatment with NRT usually lasts 8-12 weeks, before you gradually reduce the dose and eventually stop.

Varenicline (Champix)

Varenicline (brand name Champix) is a medicine that works in 2 ways. It reduces cravings for nicotine like NRT, but it also blocks the rewarding and reinforcing effects of smoking. Evidence suggests it’s the most effective medicine for helping people stop smoking.

A course of treatment usually lasts around 12 weeks, but it can be continued for longer if necessary.

Bupropion (Zyban)

Bupropion (brand name Zyban) is a medicine originally used to treat depression, but it has since been found to help people quit smoking. It’s not clear exactly how it works, but it’s thought to have an effect on the parts of the brain involved in addictive behaviour.

A course of treatment usually lasts around 7 to 9 weeks.

Many people who use nicotine products have been accepted for life insurance. Insurers will however accept applications based on how much individual smoke and how long they have been smoking. They will also write to your GP to confirm any treatment and whether there are any medical complications.

Finding Smoker Life Insurance

We search all of the life insurance market, Life Insurance Cover can find the best policy types and protection for you. It can be difficult to find the right Smoker life insurance cover for your needs, but we can help you.

As Smoking can be a long-term condition that links to other health conditions. Some insurers may be wary about accepting applications. All insurers underwrite applications by writing to your GP to confirm any treatment and medication. By completing the medical forms from customers looking for Smoker life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.

smokers life insurance

Costs For Insurance Premiums

As Smoking is regarded as a long-term health problem, some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on if you still smoke and how long you have been smoking. Insurers will look favourably on applications from people who are quitting smoking or have stopped smoking. If you have had hospital admissions as a result of Smoking, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.

Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover will find the best Smoker life insurance.

At Life Insurance Cover our specialist team of advisors and comparison service can help you find the best FCA-regulated life insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.

Who Offers Smoker Life Insurance?

Life Insurance Cover works with all of the UK’s life insurers for Smoker life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:

– The best price for Smoker life insurance

– Protection for complete peace of mind

– A specialist insurer that understands

Different Protection for Smokers

Critical illness cover

Critical illness insurance offers protection for many conditions including cancer. If you are a Smoker or recently stopped. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review any current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.

Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.

For more information on Smoking:

British Heart Foundation


Do you have a medical condition and need life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.