Compare our best life insurance for smokers

If you're a smoker, it can sometimes be more difficult to get life insurance. Thankfully, you can compare a range of providers and quotes for life insurance with our partner Active Quote.

  • Choose your optional extras
  • Compare quotes from industry leading providers
  • Get a free, no-obligation quote in under 5 minutes
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Compare life insurance quotes from over eight UK Life Insurance companies

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to get a life insurance quote


Compare our best Life insurance deals

Put in your details to compare policies, then choose the deal from our results table that best suits your lifestyle and the needs of you or your family.


Fill in an application form from your chosen provider

Fill out the quote form with your chosen life insurance provider. This will include things like your personal information, any existing health conditions and your medical history.


Adjust for the level of cover you need

Tell your provider how much cover you will need. The cheapest policy will not always be the best, so start by adding in or removing any optional extras you think are important.


Wait for your results to see if you're accepted

Your life insurance will start after the application is accepted, or select an alternative provider to compare quotes if rejected.

Can you get life insurance for smokers?

It depends on the insurer, but how much you smoke and how long you’ve been smoking could affect whether you can get life insurance. Life insurance for a smoker also costs more than for a non-smoker.

When you apply, there are two things to consider:

  • Be honest: whether you smoke, have the occasional cigarette or gave up years ago, do not lie about it to get a cheaper policy, because it may invalidate your policy if you have been dishonest and later have to make a claim

  • Stop smoking: it will not make a policy cheaper now, but it could in the future if you choose a reviewable policy. This enables you to amend your cover after a set term, such as 15 years, and living a healthier lifestyle could cut the cost

Get as many quotes as possible from insurers who can cover you. To find the best policy, choose the cover you need, then select the cheapest policy that offers that cover.

How does life insurance work?

What if you cannot get cover as a smoker?

Speak to a 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.

Can I get life insurance for smokers if I am over 50?

Life insurance for smokers over 50 is rare, but you could consider a standard 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.

Here is more on over-50s life insurance.

Life insurance for smokers FAQs

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Why compare Life insurance with

By comparing life insurance, you could save money on the policy. The best value life insurance will offer the cover to you and your family. Choose a life cover plan from one of the best UK life insurance companies and see the online discounts they offer.

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We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

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Last updated: 16 May 2022