What’s the best income protection for smokers?

I’m a smoker and I have been told that smokers pay more for insurance including income protection insurance due to the health risks.

Question asked by Chris Giles
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Answered by Tom Conner

 

How the insurers view applicants that are smokers

As you have been told there are some insurers who charge smokers a higher premium for income protection insurance than non smokers. The premium could be around 20% more.

However, some providers such as the friendly societies including British Friendly and Exeter Family Friendly do not add an extra premium so they may be better value for you.

Get in touch…

With income protection there are many factors other than the price of the premium to take into account when working out which is the best product for you. Therefore I would suggest that you give our advisers a call on 0207 432 7333. They will be able to talk you through the options available and provide you with some quotes from across the market place.

income protection
 
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higher premiums
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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