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Insurance companies classify a smoker as a person who may have used a form of nicotine product within the last 12 months. It is important to understand that smoking will have a big influence on the premiums you will pay.

When you are asked if you are a smoker it is important to answer truthfully since you could void your policy if you are found to have lied.

What happens if I quit smoking during the term?

You will most likely be able to save money if you quit smoking after you get your insurance policy started. Different companies will have specific terms regarding how this is dealt with for your smoking life insurance policy. Usually they state that you will have had to not used a tobacco product for one entire year. This may seem like a long time but the insurance provider is always concerned that you might start smoking again so they want to make sure this doesn’t happen. If you have any questions about life insurance medical examinations or how smoking might affect your policy then contact your insurance company.

What are the health implications of smoking?

It is well known that smoking is bad and potentially lethal to your health. There are many diseases and conditions that could affect your health from smoking such as throat, mouth, lung, and heart. It is therefore in your best interests to quit smoking if you feel you can prevent future medical conditions.

Aside from the medical problems of smoking there are also some unpleasant and quite unsociable effects. There are a number of things that would include premature ageing, smelly breath and clothing, and yellowing teeth.

What can I do to quit smoking?

Now is never a better time to think about quitting smoking as the options available are plentiful. The NHS provides a lot of information and can offer one-on-one or group support in your local area. You can also purchase patches, inhalators, and gums that can help you stop smoking gradually so that you can finally quit.

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