Smokers Decreasing Life Insurance for a 40 Year old Male and Female Age
If you are a smoker and want to protect you family by providing them with a lump sum to repay a mortgage should you die prematurely pr suffer a serious illness than your monthly premium will reflect you smoker status. The best buy tables below are for a Decreasing Life and critical illness Insurance for 40 Year Old Smoker
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 Decreasing Life and Critical Illness Insurance Smoker:
Cover for: 40 Year old Type of cover: Decreasing Life & Critical Illness Cover
Term policy: 25 years Smoker Rates Apply
| Provider | Top Premium | Standard Premium | You Save |
|---|---|---|---|
 |
£90.58 | £106.76 | £4854.00 over term |
 |
£93.26 | £107.46 | £4206.00 over term |
 |
£94.55 | £105.01 | £3138.00 over term |
 |
£96.19 | £108.95 | £3648.00 over term |
 |
£97.82 | £111.16 | £4002.00 over term |
Cheapest premiums available for a 40 year old male or female smoker as of the 25/05/2024.
