At The Insurance Surgery, we understand the unique challenges faced by smokers when it comes to life insurance. Our mission is to provide life insurance for smokers that offer financial protection for you and your loved ones.














Life Insurance Guide for Smokers in the UK.
We recognise that every smoker’s circumstances are unique, and our goal is to help you navigate the complexities of obtaining life insurance for a smoker while ensuring you receive the cover you deserve.
In this guide, we will discuss:
What is Life Insurance for Smokers?
Life insurance for smokers is a form of cover designed to provide financial protection for smokers and their loved ones in the event of the policyholder’s passing. These policies are tailored to meet the unique needs and health considerations of individuals who smoke.
You may be eligible for our cover if you fall into any of the following categories:
- Smokers of all ages, including those who have recently taken up smoking or have been smoking for many years.
- Individuals with pre-existing medical conditions related to smoking, such as chronic obstructive pulmonary disease (COPD), lung cancer, or heart disease.
- Those seeking specialised insurance solutions that cater to their smoking habits and the associated health risks.
How Does Smoker Life Insurance Work?
At The Insurance Surgery, we have built a reputation for excellence in providing life insurance for smokers. During your phone consultation, we will ask the necessary questions to understand exactly what type of insurance policy is best suited to you.
There are a range of potential policies available for smokers. Let’s take a look at what could be on offer to you.
Term Life Insurance.
Term life insurance will pay out a lump sum if you pass away during the term (duration) of your policy. A term policy will run for an average of 10 – 30 years.
Whole of Life Insurance.
Offering lifelong cover, whole of life insurance has no term duration. This guarantees financial security as your loved ones receive a lump sum when you pass.
Critical Illness Cover.
In addition to life insurance, we offer critical illness cover, which provides a lump sum payment if you are diagnosed with a critical illness that is covered in the policy.
If this already seems complicated enough, don’t panic—one of our experts will be available to advise on the policy that best suits your smoking-related life insurance needs.
Why Choose Us?
At The Insurance Surgery, we have built a reputation for excellence in providing life insurance for smokers. Our commitment to our clients is unwavering, and we strive to offer the best possible service and support. Here’s why you should choose us:
Expertise
With 25 years of experience in the insurance industry, we understand the challenges faced by smokers in obtaining life cover. Our team help thousands of smokers each year secure the best cover for their family’s future.
Tailored Solutions
We recognise that every smoker’s situation is unique, and we take the time to understand your specific needs and circumstances. Our tailored solutions consider the risks associated with smoking, ensuring you receive cover that provides optimal protection and peace of mind.
Dedicated Solutions
Our team of experts are here to help smokers secure the life insurance cover they need. We are committed to providing exceptional customer service, ensuring you feel supported and guided throughout the entire process.
Transparency and Integrity
At The Insurance Surgery, we provide honest advice, ensuring you have a clear understanding of the cover available and the associated costs.
How Much Does Life Insurance for Smokers Cost?
The cost of smoker life insurance can vary depending on several factors, including your age, health status, smoking habits, and the level of cover you require. However, at The Insurance Surgery, we provide competitive rates by working with a panel of reputable insurance providers.
Whilst it’s challenging to provide an exact estimate without knowing your specific circumstances, we can give you a general idea of what to expect:
1. Average Cost of Smoker Life Insurance example:
A healthy 30-year-old smoker seeking a £200,000.00 level term life insurance policy for 20 years could expect to pay approximately £20 to £30 per month.
2. Average Cost of Smoker Life Insurance Example:
A 45-year-old smoker with a pre-existing medical condition, such as COPD, seeking a £150,000.00 whole life insurance policy may pay between £60 and £100 per month, depending on the severity of their condition.
Price Promise.
As an award-winning specialist Insurance Broker for those with medical conditions or dangerous occupations, we will never be beaten on price. Our Price Match Promise means we will find you the right cover for your personal circumstances at the lowest possible price.
Frequently Asked Questions.
We answer your most frequently asked questions.
Absolutely. At The Insurance Surgery, we can help smokers access a range of life insurance policies, including term life insurance, whole life insurance, and critical illness cover. Our advisers will help you choose the cover that best suits your needs and budget.
Life insurance prices can differ from person to person, but it is no secret that smokers can generally expect to pay more than non-smokers. Smoking is considered a high-risk factor by insurance providers, as it increases the likelihood of developing various health conditions, such as lung cancer, heart disease, and respiratory problems. As a result, smokers typically pay higher premiums for life insurance than non-smokers.
If you begin to smoke regularly after getting life insurance, we advise contacting your insurer and letting them know about the potential changes in your health related to your new lifestyle choices. It is not uncommon for policies to require you to contact the insurer after beginning to smoke.
Yes, many insurers now consider vaping a form of smoking as it can have an effect on your physical health. We recommend checking your insurance policy to be certain, but generally, vaping will be classed as smoking and will lead to you paying higher premiums.
Benefit from our services today.
By choosing The Insurance Surgery, you can rest assured that you will receive full guidance and support throughout the process of securing life insurance for smokers.
Our commitment to exceptional customer service sets us apart, ensuring you receive the cover you need at a fair price.
Contact us today on 0800 083 2829 to schedule a free consultation
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*Price Promise Terms and Conditions.
To be eligible for a gift card you must be a UK resident aged 18 or over.
In order for you to receive the voucher, you will need to have a minimum monthly premium of £20 and the policy to be live for a minimum of three months.
You must make all payments to your policy each month and in full.
If the policy taken out falls into arrears or lapses, then you will not be eligible for a gift card.
This offer is valid until 31st March 2025. However, should we decide to extend the offer, we reserve the right to do so, updating our terms and conditions accordingly.
The gift card is issued via Lifestyle and can be used at more than 250 of the UK brands. For more details about the brands included, please visit thelifestylevoucher.co.uk. By clicking this link, you will be leaving the regulated site of The Insurance Surgery. The Insurance Surgery is not responsible for any content posted by a third party within a non-regulated site.
You will be sent a link to claim your gift card. The gift card will expire 2 years after being issued and any outstanding balance will be lost; No cash alternative will be offered.
We reserve the right to refuse issue of the gift card should we suspect foul play; We reserve the right to cancel or modify these terms and conditions at any time and at our sole discretion; Our Privacy Notice explains how your data will be used.