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Help Centre»»Will smoking or vaping affect my life insurance?

Will smoking or vaping affect my life insurance?

Life insurance policies are underwritten based on your health and lifestyle. As part of the application process you will be asked whether you have smoked in the past 12 months to 5 years. Insurers consider electronic cigarettes, vaping, and any other nicotine or nicotine replacement products to be included under the term of ‘smoking’.

Smokers can still be insured but you can expect to pay more for your life insurance. Where you need to disclose smoking related habits on your application, you should expect to pay around double for your life insurance due to the risks associated with smoking. Alternatively you can also opt to reduce your sum assured to offset the price impacts.
It is important you do not lie or be misleading on your life insurance application. If you smoke or vape but tell the insurer you do not, your policy is at risk of not paying out.
Ultimately all insurers treat smoking and vaping slightly differently. To get the best life insurance policy as a smoker, be completely honest with Protect Line and we’ll be able to assist you in understanding which insurer’s application wording may be most tolerant for your circumstances.

All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.

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