fully independent firm who will search the whole of the market to help find you the cheapest and most suitable quotes for your requirements, whether its Life Insurance For Smokers, Income Protection Insurance, Critical Illness Insurance, Mortgage Payment Protection Insurance or Accident, Sickness & Unemployment Insurance.

If you have used any of the following tobacco products within the last twelve months:

   - Cigarette / Cigarettes
   - Smoking a pipe
   - Cigar / Cigars
   - Nicotine patches / gum etc
   - Chewing Tobacco

then insurance providers class you as a Life Insurance Smoker.
Whilst there is no avoiding paying higher premiums than your none smoking counterparts we are able to offer some fantastic rates without compromising on the level of cover.

Sometimes, Smokers Life Insurance Premiums can be double that of a none smoker but here at ‘Life Insurance For Smokers’ we offer a fully independent brokerage service which results in us being able to offer you some fantastic discounted rates compared to going to each life insurance company direct.

There are different types of Life Insurance For Smokers which are listed below:

Term Life Insurance For Smokers
This insurance policy retains its monetary value throughout the whole lifetime of the policy.
This type of smokers life insurance pays out a lump sum of money upon your death and is mainly taken to cover your mortgage, funeral expenses, outstanding loans, debts or credit agreements you may leave behind.

Decreasing Life Insurance For Smokers
This is where the value of your policy decreases during its duration. This also results in your premiums decreasing with it and it is mainly used to cover your mortgage as it’s own value will decrease as you are paying it off.

Increasing Life Insurance For Smokers
This is the opposite of decreasing life insurance in that you have the option to review your policy (usually on a yearly basis) to see how it is comparing against inflation. If you find that the realtime value of your smokers life insurance policy is not performing very well then you can increase your premiums slightly to raise the value of your policy. This way your life insurance policy will be protected against inflation.