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Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated.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.
Hear from our customers
Don’t just take our word for it – hear it from our customers, with over 45,000 five‑star reviews.
Nick
I enquired about a life insurance…
I enquired about a life insurance policy. Received a phone call from Matt Burgess who was amazing to deal with throughout the whole process. Talked me through every step and what each type of policy was and the differences were between them.
Highly recommend dealing with Matt.
Patricia O.
Danny the customer service officer was…
Danny the customer service officer was professional, respectful and kind. He spoke with clarity and reassurance without pressure. He explained all that I needed to know. His explanation left little room for questions as he was very clear. He really knows his job inside out. I was very satisfied with his consultation.
Jack W.
Green lights ahead…
Good experience, made better with Luke Maguire. Speaking to him was like hitting every traffic light as it turns green 💚
If you are thinking about Life insurance, stop thinking and just do it. Its all about the ones you leave behind after you are gone. True selfless act. 💯👌🏻 Thanks Luke.
Neil R.
The man that dealt with me MATT was…
The man that dealt with me MATT was very professional and talked me through everything I was pleased with how he was respectful and explained everything so I could understand the process I’m happy with the cover I have.
Atans JP.
Excellent Service!
I spoke to Henry who was knowledgeable, friendly and very helpful.
He took me through the details of life insurance and critical illness. He found a very well priced cover plan, which I took out. Wonderful company.
Zafal I.
Excellent service recommended…
Spoke with Craig today with a view to getting life cover, he was clear, precise and excellent in explaining from start to finish and answered all my questions satisfactorily, even had a bit of banter along the way which made the experience very pleasing, needless to say I bought the policy recommended to me. Thank you.
Mason G.
Life Insurance
Had the chance to speak with Grant, he was amazing.
It was my first time arranging life insurance for my partner and my new born, so as you can imagine, not very clued up on how it all works. He explained everything so well and very clearly. Thank you Grant
Nick
I had a very positive experience with…
I had a very positive experience with this life insurance company.
Emily was knowledgeable, patient, explained all my options clearly and made the process easy to understand.
Highly recommended.
Sandra R.
Did an online quote and within minutes…
Did an online quote and within minutes got call from Katy who was amazing. Talked me through everything and ended up with policy. She knew what I was looking for and so helpful and patient.
Highly recommend. Thanks again Katy for sorting everything out for me.
Russell
Had a consult with Tommy Farthing…
Had a consult with Tommy Farthing, absolute pleasure dealing with him. Extremely patient, clear understanding of the information he provided, made me feel at ease through the entire process as I was rather edgy at first. I never felt pressured or treated like a mere run through receiving my consult. Thank you Tommy.
Anonymous
It was an absolute pleasure speaking…
It was an absolute pleasure speaking with Harrison. His product knowledge was outstanding, and he took the time to explain everything thoroughly, ensuring I fully understood the options available.
He was professional, patient, and genuinely engaging throughout the conversation.
Danielle S.
The man I spoke to was very helpful and…
The man I spoke to was very helpful and I came off of the phone saving £15 a month nearly on my life insurance
MS Heer
Very helpful gave me a lot of good…
Very helpful gave me a lot of good and a reasonable price for both insurances, was thorough with everything
Karen R.
Amazing service from Luke Maguire…
Luke Maguire assisted us to find a life and critical policy that suited our needs and budget, he did so with time and care. Luke gave us plenty of time to consider options and was full of knowledge to support us to decide. Luke went over and above dedicating time that suited us but meant he would be late leaving off.
