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:
- 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.