Overall the service was great, it exceeded my expectations
Smoker and Insurance
Welcome to The Insurance Surgery's page that is specifically designed for clients who are Smokers.
The Insurance Surgery specialise in obtaining financial services
for clients who are Smokers.
Whether you are looking for Life Insurance, Travel Insurance,
Income Protection Insurance or would just like to obtain
information we will do our utmost to help.
We also offer information on Impaired Life Annuities and Care Home
Insurance Plans for clients who are Smokers.
If you are a Smoker and you require a quotation for life insurance
please note that we guarantee to obtain the most competitive
life insurance quotes on the market.
Below is our summary of how being a Smoker may affect your
insurance needs.
Smoker and Life Insurance
If you are a Smoker and you wish to apply for life insurance it may be possible to secure you cover either at ordinary rates or with an increase in premium . It will however be necessary to obtain full details of your smoking to obtain a definite quotation for life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain life insurance
Smoker and Critical Illness Insurance
If you are a Smoker and you wish to apply for Critical Illness Insurance it may be possible to secure you cover at ordinary rates or with an increase in the premium. It will however be necessary to obtain full details of your smoking to obtain a definite quotation for Critical Illness Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain Critical Illness Insurance and if cover can be arranged it may be subject to certain exclusions.
Smoker and Income Protection Insurance
If you are a Smoker and you wish to apply for Income Protection Insurance it may be possible to secure you cover at ordinary rates or with an increase in the premium. It will however be necessary to obtain full details of your smoking to obtain a definite quotation for Income Protection Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain Income Protection Insurance and if cover can be arranged it may be subject to certain exclusions.
Smoker and Travel Insurance
If you are a Smoker and you wish to apply for travel insurance it may be possible to secure you cover at ordinary rates or with an increase in either the premium or medical excess on the policy. It will however be necessary to supply full details of your smoking to a medical screening line to obtain a definite quotation for travel insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain travel insurance.
Smoker and Private Medical Insurance
If you are a Smoker and you wish to apply for Private Medical Insurance it is highly unlikely that you will obtain cover for your Smoker or any other pre existing medical condition. It will however be necessary to obtain full details of your smoking to obtain a definite quotation for Private Medical Insurance. If you wish to obtain cover for your pre-existing condition we would suggest considering our Health Cash Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain Private Medical Insurance.
Smoker and Impaired Life Annuities
If you are a Smoker and you wish to apply for an enhanced impaired life annuity it is probable that you will receive preferential rates. It will however be necessary to obtain full details of your smoking to obtain a definite quotation for an enhanced impaired life annuity. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain an enhanced impaired life annuity.
Smoker and Care Home Insurance Plans
If you are a Smoker and you wish to apply for a Care Home Insurance Plan it is probable you will receive preferential rates. It will however be necessary to obtain full details of your smoking to obtain a definite quotation for a Care Home Insurance Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is a Smoker will obtain a Care Home Insurance Plan.
Smoker and Keyman Life Insurance
If you have Smoker and you wish to apply for Keyman life insurance it may be possible to secure you cover with an increase in premium. It will however be necessary to obtain full details of your illness to obtain a definite quotation for Keyman life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who has Smoker will obtain Keyman life insurance.
FOLLOW THE INSURANCE SURGERY LTD:
© 2010 The Money Surgery Ltd | The Money Surgery Limited is registered in England No. 07028695
www.the-insurance-surgery.co.uk is a trading name of The Money Surgery Limited which is an Appointed Representative (FSA registration number 511725) of The Insurance Surgery Ltd who are authorised and regulated by the Financial Services Authority (FSA registration number 401425). The Money Surgery Ltd allows The Insurance Surgery Ltd to use this site as a marketing and communication vehicle. All enquiries generated by the site will be handled by either The Insurance Surgery Ltd or The Money Surgery's other commercial partners who will also be regulated by the Financial Services Authority where required. (see terms for full details)