It depends on the insurer, but the amount and how long you have smoked could affect whether you can get cover.

Life insurance as a smoker will also cost you more compared to someone who does not smoke.

Use this comparison to check the cover offered by insurers that could offer life insurance for smokers.

When you apply for life insurance as a smoker, there are two things to consider:

  1. 1.

    Be honest: Whether you smoke, have the occasional cigarette or gave up years ago, do not lie about it when you apply just to get a cheaper policy. If you lie about anything on your application, it may invalidate your policy.

  2. 2.

    Stop smoking: It will not make a policy cheaper now, but if you choose a reviewable policy it could in the future. A reviewable policy lets you amend your cover after a set term, like 15 years, and living a healthier lifestyle could cut the cost of your insurance.

Complete our broker form to get quotes from the insurers who can cover you. To find the best policy, choose the cover you need and choose the cheapest policy.

What if you cannot get cover as a smoker?

Speak to our broker over the phone and ask for guidance. They may be able to provide you with a quote from an insurer that does not offer policies online.

If you are over 50...

You could consider an over 50s life insurance policy. This type of life insurance guarantees acceptance if you are over 50, even if you have poor health or smoke.

Life insurance for smokers FAQs

Q

Can I get life insurance if I smoke?

A

You may find it harder to get cover, but you should still get as many quotes as you can until you get accepted for the cover you want.

Q

Do any insurers specialise in life insurance for smokers?

A

No, but most insurers should consider your application. However, the longer you have smoked for, the fewer insurers you will find cover through.

Q

How much does life insurance cost?

A

The price is based on your age, how much cover you want, how long you want it for, and your medical history. Here is how to cut the cost of life insurance.

Q

Is life insurance guaranteed to pay out?

A

Only if your cause of death is covered in your policy, and you die during the term of the policy. Here is more on how life insurance works.

Q

Can I have more than one life insurance policy?

A

Yes, but you may find it cheaper to have one policy that gives you the exact cover you need. Use this comparison to get quotes to find the best price.

About our life insurance for smokers comparison

Q

Who do we include in this comparison?

A

We include life insurance for smokers from our panel of insurers. They are regulated by the Financial Conduct Authority (FCA).

Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.