Smokers' life insurance

Compare life insurance for smokers
with Confused.com

Smokers life insurance
Protect your small people, or other humans you love.

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 Confused.com you can see quotes from a range of providers with no obligation to buy.

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'?


Three 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'?
17 Life insurance reviews

Very easy process, clearly showed the options available and helped choose the best cover for our needs.

Liz Baylis
Confused.com Life insurance calculator

How much life cover do you need? Try our calculator

Our handy calculator gives you a guide to the total amount of cover you should consider.

read more
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.