I am a social smoker, can I get Life Insurance?

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Home » Frequently Asked Questions » I am a social smoker, can I get Life Insurance?

Answer:

You can get Life Insurance if you are a social smoker but you will be classed as a smoker by the insurer. Whilst it may be tempting to omit the fact that you smoke socially it is really not worth it. In the unfortunate circumstance that you were to die, if the cause of death was linked to your smoking, then the policy could be invalidated. As a smoker you are more likely to develop tongue, throat, oesophageal, lung or stomach cancer and if you pass away from one of these conditions, it could be a red flag to the insurer that you smoked.

It is important that you also notify the insurer if you are a vaper and use nicotine based e-cigarettes, as you will then also be classed as a smoker. You should make sure that your life insurance application is placed with an insurer who can offer near non-smoker rates to e-cigarettes users.

Please visit our Vapers Insurance page for more details.

Client Reviews

I am a social smoker, can I get Life Insurance?

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."