I've just stopped smoking

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I have just stopped smoking, will I be classed as a non-smoker for life insurance premiums?

To qualify as a non-smoker most life insurance companies require that you have not smoked any tobacco for at least 12 months prior to your application. Some insurers will review and change the rate you pay to non-smoker premiums, however some will not.

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Life Saver is a trading name of Clarity Financial Advice Ltd. Registered in England no. 5615986. Registered Office: 5 Riverside Studios, Mill Lane, Dronfield, Derbyshire S18 2XL. Clarity Financial Advice Ltd is an appointed representative of Mint Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Mint Financial Services Ltd is entered on the FSA register (www.fsa.gov.uk/register/) under reference 217742.

The life insurance advice and/or guidance contained within this web site is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. Information on this site does not constitute personalised advice. Always consult a professional independent financial adviser before taking any action.

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