Cheap Insurance Quotes For Smokers
If you are looking for cheap insurance quotes for smokers in the UK, where do you start? Well you could give up smoking but unfortunately most life insurance companies insist you not to smoke for 12 months prior to applying for life insurance. So if you can stop smoking for 12 months and can wait for the life cover this might be an option. However if you need life insurance now it is not really something to consider.
Another thing you must be aware of is the different kinds of smoking that life insurance companies take into account when underwriting risk. Any type of tobacco use is considered smoking, examples being pipe smoking, cigar smoking or even chewing tobacco, some people do still use this stuff and it is still a tobacco product in the eyes of the insurer.
Insurance companies will always consider a smoker a higher risk than a non smoker.However other than giving up smoking you can do several things to lower the cost of life insurance quotes if you are a smoker.
First of all you can get quotes when you are young, if you are still in your twenties, thirties and even forties and a smoker, you are still a better a risk to an insurance company than a smoker in their fifties or sixties. So if you need life insurance get the quotes now, because as you get older and still smoke the more expensive it will become to get any type of life cover.
The next thing you can do, is to make sure when you request a quote for smoker life insurance, you request an amount that is going to meet your needs for a long period. Think about it, if you apply for a £100000 life quote now, but a few years later need another £50000 life insurance, you will be an older smoker and consequently a higher risk. Now I know nobody knows what the future holds and what life cover you might need in the future, but the old saying of never having too much life insurance is sound advice in my opinion. Let’s face it, your loved ones or dependents are hardly going to complain about that extra £50000 they have just received from the insurer are they? So make sure you get enough cover, so that if your circumstances change you will not need to take out further life cover when you are an older smoker.
You can use all of these tips to reduce the premiums quoted when looking for cheap insurance quotes for smokers. However there is one final thing you can do and this is the one thing that can make all the difference to the smoker life quotes you receive.You simply need to shop around, do not accept the first quote you get. Now I appreciate that phoning around insurance companies for smoker life insurance quotes is a pain and you know what I totally agree with you. Thankfully you do not need to do this, by simply using an online comparison site Life Cover Search, you can obtain cheap insurance quotes for smokers if you live in the UK. Believe me the difference in the cost from the most expensive life quote to the cheapest is huge. Using Life Cover Search will give you access to every major UK life insurer. It takes about 2 to 3 minutes to obtain a smoker quote from the whole market.
So in conclusion take these steps to obtain cheap smoker life insurance quotes:
- Get quotes when you are young
- Get enough Life Cover for your needs now and in the future
- Stop smoking 12 months before you apply for quote/cover
