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.

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