Smokers Cheap Non Smoker Family Income Benefit for 40 Year old
If you are a smoker and want to protect you family by providing them with a regular income should you die prematurely than your life insurance monthly premium will reflect you smoker status. The best buy tables below are for a family income benefit for a 40 Year Old Male Smoker with a benefit of £12000 pa and a term of 25 years.
It is worth noting that if you have stopped smoking but have used nicotine replacement products in the last 12 months then most life insurance companies will still class you as a smoker until you have stopped using them for a minimum of 12 months (some providers still charge a higher premium within 5 years of quitting smoking).
However if you have not smoked in the last twelve months but have used nicotine products we may still be able to obtain a non smoker life insurance policy. If you would like to find out more please call us on 01603 271108 or complete our inquiry form.
Below are examples of the quotes you can obtain via Go Direct's online discounted life insurance quotes system.
Best Buy Family Income Benefit for Smoker:
Cover for: 40 Year old Type of cover: FIB
Term policy: 25 years Smoker Rates Apply
| Provider | Top Premium | Standard Premium | You Save |
|---|---|---|---|
 |
£10.60 | £12.05 | £261.00 over term |
 |
£10.73 | £12.39 | £298.00 over term |
 |
£11.25 | £13.46 | £397.00 over term |
 |
£13.345 | £15.77 | £437.00 over term |
 |
£13.80 | £15.54 | £313.00 over term |
Cheapest premiums available for a 40 year old male or female smoker as of the 25/05/2024.
