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.

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.

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.

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...

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.