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How much will the premium be?
Your premium reflects the level of cover you want and how long you want to be insured for. It also reflects the risk to the Insurance Company that you may make a claim. This risk is conditioned by your age, sex, occupation, health record and life style etc.
Will you need a medical?
The answer really depends upon your medical history.
Can you get a quotation now online?
No. ClickLife, our Partner for Life Insurance Quotes , take your information online and then phone you back with details of the best policy they can find. They will also give you help to find the polic that suits your needs.
What happens If I stop Paying my Premiums?
Your policy will be automatically cancelled. If this is what you want you need take no action and your insurance cover will cease. You have no commitments to make further payments.
How do you go about making a claim under your policy?
Claims are made directly to the Insurance Company who issued your policy. Details of how to claim will be found within the booklet they provide with your Application form and policy.

Why is insurance more expensive for smokers?

On average, the premium for a smoker is around 65% higher than a non-smoker. The reason is quite simple - non-smokers are generally healthier and live longer.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Yes, smokers do get charged more. A lot more!

Let’s start with the insurance industry’s usual definition of a smoker: -

A smoker is
“a person who used, smoked or otherwise consumed
any kind of tobacco products during the previous 12 months.”

A few insurance companies have lengthened the qualifying period from 12 months to 5 years. So, if you have given up smoking during the previous 1 to 5 years, you get a much cheaper premium from an insurance company which uses the 12 month definition.

When an insurer calculates a premium for you, it has to work out how long they expect you to live. (Or with Critical Illness cover, how likely you are to become seriously ill during the policy’s term.)

To do this they will take into account a number of factors including for example your age, your health record, your weight and height, how much you drink, your occupation and whether you smoke.

All insurers include questions on their Application form about the type and quantity of tobacco products you use. They use this information to forecast your health and this information becomes a vital part of their risk assessment.

Even though some Pro-Smoking Pressure Groups contend that smokers under the age of 40 have about the same probability of death as non-smokers, a typical 30 year old male can expect to be charged up to 56% more for a 25 year life insurance policy than a non-smoker.

That’s why it becomes even more important for a smoker to seek out the cheapest possible insurance premium.

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -