How smoking affects life insurance
Insurers class anyone who has used nicotine (cigarettes, vapes, patches) in the past 12 months as a smoker, which roughly doubles premiums versus non-smokers. But cover is widely available, insurers price smokers differently, and your rate isn't fixed forever. The best policy comes from matching your situation to an insurer that prices smokers competitively.
1. Standard term life insurance for smokers
Level or decreasing term cover at smoker rates. Best as the foundation — to cover a mortgage or protect your family. Compare insurers, as smoker pricing varies significantly.
2. Cover that distinguishes vaping from smoking
Most insurers still class vaping as smoking, but pricing varies. Best to compare — some insurers treat certain nicotine use more favourably than others.
3. Reviewing cover after quitting
Once you've been nicotine-free for 12 months, you can usually re-apply at non-smoker rates and cut your premium substantially. Best for those who've quit — don't keep paying smoker rates unnecessarily.
4. Combining with critical illness cover
Smokers may particularly value critical illness cover given higher health risks. Best added to life cover for fuller protection — see our critical illness cover guide.
Getting the best smoker rate
- Compare insurers — smoker pricing varies widely
- Be honest about nicotine use (non-disclosure voids claims)
- Re-apply at non-smoker rates after 12 months nicotine-free
- Keep other health factors (weight, blood pressure) in good shape
How to find the best cover for smokers
Because insurers price smokers so differently, whole-of-market advice can save you significantly. A protection specialist will find the most competitive insurer for your situation. Find a life insurance specialist through Nesto — free, no obligation.
Frequently asked questions
Can smokers get life insurance?
Yes, easily — at higher premiums than non-smokers. Cover is widely available; the key is comparing insurers, as smoker pricing varies.
Does vaping count as smoking?
Most insurers class vaping and any nicotine use as smoking, though pricing varies. Always declare it.
How much more do smokers pay?
Often roughly double a non-smoker's premium, though it varies by insurer and your overall health.
Can I get cheaper cover after quitting?
Yes — after 12 months nicotine-free you can usually re-apply at non-smoker rates and reduce your premium significantly.
What if I don't declare smoking?
Non-disclosure can invalidate a claim when your family needs it. Always be honest — it's not worth the risk.