Smoker status

Just a case of ‘Yes’ or ‘No’

We want you to glide through our online medical questionnaire and get a quotation in no time at all. That’s why we’ve put simple rules in place when it comes to smoking.

Whether you smoke or not is something we take into consideration when calculating the cost of your life cover policy, so…

Am I a smoker?

This type of cover helps you arrange straightforward financial security of your family if you die. Something newly married couples, or future parents, might find reassuring.

  • A smoker is someone who has smoked or used nicotine replacement products (inc e-cigarettes) within the last twelve months.
  • A non-smoker has smoked nothing and used no nicotine replacements products for more than 12 months.

Quit & save

The negative health implications of smoking are well-documented and can increase the cost of your cover. If you’re looking to reduce your premiums, stopping smoking and maintaining a healthy lifestyle is a good place to start. You could put your Life Insurance payout at risk if you lie about your status, so be honest with us.

Other money saving tips

Reducing the amount you smoke will not only save you a lot of money in everyday life, but it will also reduce the cost of your life insurance premiums. We are open about how we can provide cheaper cover for our customers, browse our site or give us a call for more information.