Skip navigation

Smokers' life insurance

Compare life insurance for smokers with

A selection of our trusted life insurance providers

See all our life insurance providers

What is smokers' life insurance?

Quite simply, it's standard life insurance but for someone who smokes,  it's no different from a normal life insurance policy.

If you're a smoker, it doesn't necessarily mean you can't get a life insurance quote, it just means you might have to pay a higher monthly premium as insurers will see you as a higher risk.  If anything it could be more important to have some level of protection in place due to the reported health implications of smoking.

Did you know? If you've smoked as much as 1 cigarette in the last year, insurance companies are likely to class you as a smoker and might send you a mouth-swab test to find out.

Why could I need it?

According to Cancer Research UK, tobacco smoking caused an estimated 101,000 deaths in the UK in 2010, with approximately 43,000 of those being cancer related (which is more than a quarter of all cancer deaths - 27%). Tobacco is claimed to be the single most preventable cause of death in the world.

Making sure you have protection in place in case the worst should happen, could help to leave your loved ones with a lump sum, or perhaps even pay off your mortgage (if you have one).  The lump sum payout could be used for lots of different things, such as;

  • Education costs for any children you might have
  • Paying off a mortgage or large debt
  • A financial gift for loved ones
  • Funeral expenses
  • A legacy donation to a charity

Whether you're looking to change to another insurer or take out a policy for the first time, by comparing quotes with you can see quotes from a range of providers with no obligation to buy.

Male avatar Quick, easy to use and saved me money!

Adam Hitchings Jun 2013

Female avatar Easy to navigate and find a good deal.

Carole Daily Nov 2013

Male avatar Saved money, hassle-free service, very satisfied!

William Hardy Sep 2013

Male avatar The usual excellent service, why go elsewhere?

Colin Denton Jun 2013

Male avatar A very easy to use service, and I saved money as well.

Colin Owen Jun 2013

Male avatar Easiest website to use, couple of clicks each year and it's job done.

Daniel Johnson Jun 2013

Female avatar Very fast, good and helpful quotes. Thank you.

Gail Dewar Sep 2013

George Marsh Very good cover at an excellent price, we are very pleased.

George Marsh May 2013

Male avatar Only one thing to say, brill I saved money.

Gerald McGarry Jun 2013

Female avatar I found the site easy to find and easy to use.

Gillian Hill Nov 2013

Male avatar Very easy process. Easy to compare cover and get the best deal at the best price in the least time. What more can you ask for?

Graham Haveron Nov 2013

Female avatar It was very easy to buy with Yes I saved both time and money.

Jayne Shaw Sep 2013

Female avatar Very quick and easy. Also saved me money.

Julie Pescod Dec 2013

grey avatar silhouette of person Very easy site to use. Would use again next year.

Leslie England Nov 2013

Female avatar My experience with was very efficient and we saved money by changing insurers.

Lissa Wildblood Dec 2013

Male avatar Quick and easy, no pressure.

Mark Ayre Sep 2013

Male avatar Excellent site, so easy to use and saved me money, many thanks.

Michael Low Jun 2013

Male avatar Excellent experience using Helped me save money and I was able to clearly compare between other insurers.

Mohammed Shafiq Jun 2013

Male avatar Easy to use, results are instant, everything I need in a comparison site. Well done!

Norman Owens Sep 2013

Female avatar Very good service.

Sara Collins Sep 2013

Male avatar Very good site, easy to use, found what I needed very quick.

William Hardy Nov 2013

Looking for a different type of life insurance?

Joint life insurance

Joint life insurance

A joint policy insures two lives paying out when the first person dies in the policy term

Critical illness insurance

life icon

Get cover for many serious illnesses, including some types of cancer

Over 50s life insurance

Over 50s life insurance

Guaranteed acceptance without a medical for ages 50-80

See all of our other life insurance policies

Choosing a life insurance policy that covers smokers...

By giving us some relevant information about yourself like family history, personal information (height/weight etc) and lifestyle information, we'll return quotes for life insurance from some of the UK's leading providers.

Four great reasons to trust us

  • The UK's first price comparison site
  • We compare products from a range of leading companies
  • We've been comparing insurance since 2002 and in that time have created a range of helpful guides and articles to help you with questions like 'Does smoking affect my life insurance premium'?

Confused Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England and Wales No 2467691.