24 Dec 2024

Cheap 40 Year Old Female Smoker

Cheap 40 Year Old Female Non Smoker

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Types of Insurance

Cheap Smoker Life & Critical Illness Cover Female Age 40

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Term Life & Critical Illness Insurance for 40 Year Old Female

If you are a smoker and want to protect you family by providing them with a regular income should you die prematurely or suffer a critical illness then your monthly premium will reflect you smoker status. The best buy tables below are for a female aged 40 on a smoker basis for term life & critical illness insurance of £150000 for a 25 year term.

It is worth noting that if you have stopped smoking but have used nicotine replacement products in the last twelve months then most life insurance companies will still class you as a smoker until you have stopped using them for twelve month.

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 & critical illness insurance policy. If you would like to find out more please call us on 01603 271108 or complete our enquiry form.

Below are examples of the quotes you can obtain via Go Directs online discounted level term life & critical illness insurance quotes system.

Term Life Insurance with Critical Illness Cover Quote

Cover for: Female Age 40 (Male and Females are now the same cost)

Type of cover : Term Life & Critical Illness Insurance

Term policy: 25 years Smoker Rates Apply

Provider	Our Premium	Standard Premium	You Save	Benefit	Instant Quote
	£126.32	£143.03	£5013 over term	£150000.00	Instant Quote
	£134.13	£158.10	£7191 over term	£150000.00	Instant Quote
	£135.35	£153.80	£5535 over term	£150000.00	Instant Quote
	£137.91	£155.39	£5244 over term	£150000.00	Instant Quote
	£149.29	£169.65	£6108 over term	£150000.00	Instant Quote

The cheapest premiums available for a female aged 40 smoker as of the 23/06/2023.

The premiums quoted are for illustrative purposes only. The premiums are based on an applicant being in good health and the actual rates you will receive will be dependent upon your health and individual circumstances at the time of application.

Cheap Smoker Term Life Insurance with Critical Illness Quotes

Thankfully at Go Direct our discounted premiums can help cushion some of the increase in premiums you will have as a smoker for your term life & critical illness cover. We sacrifice a minimum of 50% the initial commission we could receive for setting up your policy back into your policy to offer you a cheap term life & critical illness insurance quote.

Smoker Life Insurance Advice

If you would like to speak to an advisor about your family income benefit requirements Go Direct offer fee free phone based life insurance advice. Call us today on 01603 271108 or complete our insurance advice form to request a call.

Compare Instant Life Insurance Quotes Today

If you would like to speak to an advisor about your smoker term life and critcical illness insurance requirements Go Direct offer fee free phone based life insurance advice. Our advisers can help you find the right solution for your protection to fit your budget. You will also receive the same cheap term life insurance quotes as you find on our website.

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Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority Registered in England & Wales Company 5703224. FCA Number 456600