Experts Delve Into How Life Insurers Assess Smokers as Potential Policyholders

Published August 4, 2023

Experts address uncertainty surrounding whether smokng is a deal-breaker when it comes to life insurance.


Smoking has long been known to have detrimental effects on a person's health. It increases the risk of various diseases and health complications, making smokers a higher risk for life insurance companies. However, there is still uncertainty surrounding whether smokng is a deal-breaker when it comes to life insurance.

In this article, we'll delve into how life insurance companies take when assessing smokers as potential policyholders. We'll explore the impact of smoking, how it affects premiums and how to improve your chances of getting cover.

Life insurance protects the financial future of your family in the event of your death. It's a type of insurance product that provides a lump-sum payment to your family in the event of your death. This payment may cover funeral expenses, debts, and other costs.

Whether you're a couple or have children, life insurance can help secure the future of your loved ones and ensure that they are taken care of in the event of your death.


When a family member passes away, their loved ones can use the payout from the policy to cover funeral costs and other related expenses. The funds may also replace lost income or provide financial support for those left behind.

Newly Married Couples

A wonderful milestone in any couple's relationship is getting married. However, with marriage comes a whole new level of responsibility. Newly married couples should consider taking out life insurance to provide financial security for each party if something happens.

This can be done with a joint life policy. This pays out a single lump sum to both spouses upon the death of either. While two separate policies pay out twice -- once for each partner. Joint cover may also work out cheaper than two separate policies.


Businesses may also take out life insurance for their owners and key personnel. It can provide a lump-sum payout should the policyholder die, ensuring the business can run without disruption or loss of income.

Single Parents

Single parents are often the sole provider of their children. Having cover in can help ensure that your children will be taken care of financially if you pass away.

A term life insurance policy may be the best option. This policy covers you for a specified period of time (for example, 20 years) and pays out if you die within that period.

The Affect of Smoker Status on Life Insurance Premiums

Insurance companies view smoking as a high-risk behaviour that increases the risk of cancer, heart disease, and respiratory problems. As a result, they typically charge higher premiums compared to non-smokers.

When applying for life insurance, be sure to disclose any smoking habits. You may also be required to undergo medical underwriting, which may involve a health exam.

The Definition of "a Smoker"

In most cases, people who are considered smokers include those who have smoked within the last 12 months. This includes the use of tobacco products, such as cigarettes, cigars, pipes, e-cigarettes, and smokeless tobacco.

Those who have quit smoking in the past year or do so occasionally may also be considered smokers.

Health Risks of Smoking

Smoking can have serious long-term health consequences, such as:

  • Cancer: Smoking is a major cause of cancer. It can also increase the risk of developing other types of cancers, such as throat, stomach, pancreas, kidney and bladder cancer.
  • Heart Disease: Increased risk of heart disease by damaging blood vessels, increasing blood pressure, cholesterol, and blood clots.
  • Respiratory Problems: Smoking can cause respiratory problems, such as chronic bronchitis, emphysema, and asthma.
  • Circulatory Problems: Smokers are more likely to suffer strokes or peripheral artery disease.

Tips for Applying for Life Insurance as a Smoker

If you are a smoker looking for life insurance cover, there are several options available:

  • Quit smoking - This can have an immediate and positive impact on your health and help reduce your premiums. Some insurers may offer lower premiums for smokers who have been smoke-free for over 12 months or more.
  • Shop around - Different insurers have different terms and rates, so it's important to shop around and compare offers from providers.
  • Manage your health - Try to change your lifestyle habits to combat the risks associated with smoking. This can include having a healthy diet and exercising regularly.
  • Be honest - When applying for life insurance, it's important to be honest about your smoking habits. Lying on an application form could invalidate your policy and result in any claims being refused.

The Bottom Line

Overall, smoking can have a significant impact on life insurance premiums. If you are a smoker, it's important to understand the risks associated with smoking and shop around for policies that offer the best terms.

Quitting smoking can also help reduce premium costs and provide long-term health benefits. Kicking any habit can be difficult, but the rewards can be well worth it in terms of not only cost, but also improved health.

Contact Info:
Name: Sam Lyne
Email: Send Email
Organization: Metric Hub

Release ID: 89104054

Should you identify any discrepancies, concerns, or inaccuracies in the content provided in this press release or require assistance with a press release takedown, we strongly urge you to notify us promptly by contacting [email protected]. Our responsive team is committed to addressing your concerns within 8 hours by taking necessary actions to resolve identified issues diligently or guiding you through the necessary steps for removal. Our dedication lies in providing accurate and reliable information.

comtex tracking


Marketers Media