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.
Frequently Asked Income Protection Insurance Questions
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