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Smokers' life insurance

Compare life insurance for smokers with Confused.com


  • No obligation to buy
  • Could leave your loved ones with a lump sum
  • Just because you smoke, doesn't mean you can't get a life insurance quote  


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.

Just because you're a smoker, it shouldn't mean that you can't get a life insurance quote, if anything it could be more important to have protection in place due to the reported health implications of smoking.

Why do I need it?

According to Cancer Research UK, around 86% of lung cancer deaths in the UK are caused by smoking.  It's estimated that smoking is responsible for a quarter of all cancer deaths in the UK, which was over 60,000 people in 2010 alone.

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
  • 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.

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Nov 2013

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Nov 2013

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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

Critical illness insurance

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, we can return quotes for life insurance from some of the UK's leading providers.

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  • The UK's first price comparison site
  • 9 out of 10 customers would recommend us to a friend*
  • 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'?

**Research conducted by Confused.com. Out of 1,441 respondents, 94.2% said they would recommend Confused.com to a friend (January - March 2014).

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.