David Allan

Expertly compared by David Allan

Products Updated June 28, 2019

Life Insurance For Smokers & Overweight

Life insurance for smokers and overweight people is more often than not just as easy to purchase as it is for those who do not smoke. If you do not have any health conditions that could be complicated by smoking or being overweight then putting a life insurance policy in place with us is easy and simple. Let our experts and providers find you a great deal.

FREE life insurance comparison. Our experts at ActiveQuote can help find you a great deal from across the marketplace:

Learn More
All credit types
Rated 4.8/ 5

ActiveQuote

Provider
ActiveQuote

Products
Life Insurance

Speciality
Compares The Market

Active Quote will compare the marketplace across 10 life insurance providers to find you the best deal that meets the needs of youself and your family. Finding the best deal from providers such as Zurich, VitalityLife and Royal London only takes a few minutes and policies can be purchased online.

Available via broker only
All credit types
Rated 4.5/ 5

Royal London

Provider
Royal London

Products
Life Insurance

Speciality
Life Insurance

With a policy in place with Royal London , you can leave money to your loved ones when you pass away, to help protect your family financially. Get a free quote or apply online.

Available via broker only
All credit types
Rated 4.2/ 5

Zurich

Provider
Zurich Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Zurich Life Insurance will pay out a cash sum if you die during the term of the policy, or if you are diagnosed with a terminal illness and are expected to live for less than 12 months. Plans can be tailored with optional extras to suit your individual requirements and to provide added peace of mind.

Available via broker only
All credit types
Rated 4.7/ 5

Friends Life

Provider
Friends Life

Products
Life Insurance

Speciality
Life Insurance

Friends Life is now part of the Aviva Group. Get the cover you need to protect your family and loved ones when you're no longer around.

Available via broker only
All credit types
Rated 4.5/ 5

LV

Provider
Liverpool Victoria

Products
Life Insurance

Speciality
Life Insurance

Life insurance from Liverpool Victoria will pay a lump sum should the worst happen, so you will have peace of mind that your family and loved ones will be financially protected when you’re no longer here. Even superheroes need protection.

Available via broker only
All credit types
Rated 4.6/ 5

Legal & General

Provider
Legal & General

Products
Life Insurance

Speciality
Life Insurance

Life cover or life assurance helps you to financially protect the future of your loved ones. Life Insurance from Legal and General offers reassurance that your loved ones or family will still be looked after financially should the worst happen.

Available via broker only
All credit types
Rated 4.6/ 5

Ageon

Provider
Ageon Life Insurance

Products
Life Insurance

Speciality
Life Insurance

Ageon is here to help you reach your goals at every stage of your life. Part of that involves putting plans in place to adequately protect and insure you against the unexpected things in life.

Learn More Available via broker only
All credit types
Rated 4.6/ 5

Vitality

Provider
Vitality

Products
Life Insurance

Speciality

If the worst should happen, or you can’t work because of illness or injury, Vitality Life's 5-star Defaqto award-winning range of protection products will give you or your family payments to make things easier.

Read our customer and visitor reviews for this product:
Rating: 5 / 5 with 1 votes
No issues using this service.
by ANOM

I've used ActiveQuote before and find the whole process simple and they do as promised.

 

FAQ's

What is cover for smokers?

Life insurance for smokers is more often than not just as easy to purchase as it is for those who do not smoke. If you do not have any health conditions that could be complicated by smoking then putting a life insurance policy in place with us is easy and simple.

If you are a smoker we will offer you a smokers premium. This premium may be a little higher than your standard life insurance policy simply due to the fact that you smoke and are at more of a health risk.

You will be placed on the smokers list should you have used any form of nicotine in the last 12 months:

  • Cigars
  • E-Cigarettes
  • Cigarettes
  • Tobacco use for cannabis smoking
  • Snuff or chewing tobacco
  • Nicotine gum or patches

Your medical back round will be checked, this will be for your benefit and to ensure you haven't missed anything during the process.

How does it work?

This type of insurance will pay out a lump sum if you pass away whilst the policy is still in place. The death benefit will be paid to the beneficiaries and this benefit amount can be paid as a lump sum or as a monthly instalment, it is up to the policy holder which would option would suit the beneficiaries.

There are a number of benefit amounts available with this policy. The main one, other than the death benefit,t is the critical illness benefit. This benefit amount would be paid to the policy beneficiaries if the policy holder were to be diagnosed with any of the critically listed illnesses within your policy agreement.

The critical illness benefit is an option that the majority of smokers look into as smoking brings an increased risk in the following health problems:

What are the features?

There are a number of benefits with this insurance policy;

  • Different types of cover available
  • Death benefit will be paid to the policy beneficiaries if you were to die, this will ensure your bills, debts and mortgage are all covered.
  • Critical illness benefit would be paid if you were diagnosed with a critical illness listed in your policy agreement. This benefit amount will help with future arrangements for you and your family.
  • Flexibility as the benefit amounts that are made payable can be paid as a lump sum or as monthly instalments. This will help your family with the monthly payments should you die.
  • The right policy for you because we ensure that regardless of your circumstances we give you the right policy to suit your needs at an affordable rate.
  • The funeral benefit is available to give your family the financial help to arrange your funeral.

What are the benefits?

There are a number of benefits available with this policy and the main ones are:

  • Ensures all your bills, debts and mortgage are covered which takes pressure off your family if you were to die.
  • Peace of mind for the policy holder knowing that your family and loved ones are financially protected should you pass away.
  • Simple process because we aim to help you every step of the way to ensure the process is as straight forward and simple as possible.


Lending Expert is a credit broker and comparison website, we're not a lender.

We bring together the very best financial providers and products from across the market place.

Warning: Late repayment can cause you serious money problems.
For help, go to moneyadviceservice.org.uk