Life insurance for smokers

Compare life insurance for smokers, UK wide. Find quotes for policies that could cover you if you smoke to get the protection you need.

Sponsored by

Get quotes from these life insurance providers and more.

Aviva inline logo
HSBC logo
Legal & General logo
LV logo
Royal London logo
Scottish Widows logo
Vitality logo

Last updated: 26 October 2020

Can you get life insurance for smokers, UK wide?

It depends on the insurer, but the amount and how long you have smoked could affect whether you can get life insurance for smokers, UK wide.

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

When you apply for life insurance for smokers, 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 when you apply just to get a cheaper policy. If you lie about anything on your application, it may invalidate your policy.

  • 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.

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

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.

If you are 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 over 60s FAQs

Get life insurance quotes

Compare life insurance from a wide range of UK providers

Explore Life insurance guides

See more guides


Which life insurance policy is right for you?

Choosing the right policy depends on how long you need cover for, the payout amount and how you want it paid. Here is how to get the best life insurance policy for your needs.

Read More

How to claim on a life insurance policy

Losing someone is heart breaking, but a life insurance policy lessen any financial burdon the loss places on dependent family members. Here is how to deal with their life insurance claim.

Read More

What is a whole of life insurance policy?

If you take out a whole of life insurance policy, you are almost guaranteed to get a payout when you die. Here is how it works and what types you can choose from.

Read More

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.

Proud to be award winning

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.