Life insurance for smokers is more often than not just as easy to purchase as it is for those who do not smoke. If you do not have any health conditions that could be complicated by smoking then putting a life insurance policy in place with us is easy and simple.

If you are a smoker we will offer you a smokers premium. This premium may be a little higher than your standard life insurance policy simply due to the fact that you smoke and are at more of a health risk.

You will be placed on the smokers list should you have used any form of nicotine in the last 12 months:

• Cigars
• E-Cigarettes
• Cigarettes
• Tobacco use for cannabis smoking
• Snuff or chewing tobacco
• Nicotine gum or patches

Your medical back round will be checked, this will be for your benefit and to ensure you haven't missed anything during the process.

This type of insurance will pay out a lump sum if you pass away whilst the policy is still in place. The death benefit will be paid to the beneficiaries and this benefit amount can be paid as a lump sum or as a monthly instalment, it is up to the policy holder which would option would suit the beneficiaries.

There are a number of benefit amounts available with this policy. The main one, other than the death benefit,t is the critical illness benefit. This benefit amount would be paid to the policy beneficiaries if the policy holder were to be diagnosed with any of the critically listed illnesses within your policy agreement.

The critical illness benefit is an option that the majority of smokers look into as smoking brings an increased risk in the following health problems:

• Stroke
• Heart Attacks
• Heart Disease
• Cancer
• Blood Circulation

There are a number of benefits with this insurance policy;

• Different types of cover available
• Death benefit will be paid to the policy beneficiaries if you were to die, this will ensure your bills, debts and mortgage are all covered.
• Critical illness benefit would be paid if you were diagnosed with a critical illness listed in your policy agreement. This benefit amount will help with future arrangements for you and your family.
• Flexibility as the benefit amounts that are made payable can be paid as a lump sum or as monthly instalments. This will help your family with the monthly payments should you die.
• The right policy for you because we ensure that regardless of your circumstances we give you the right policy to suit your needs at an affordable rate.
• The funeral benefit is available to give your family the financial help to arrange your funeral.

There are a number of benefits available with this policy and the main ones are:

• Ensures all your bills, debts and mortgage are covered which takes pressure off your family if you were to die.
• Peace of mind for the policy holder knowing that your family and loved ones are financially protected should you pass away.
• Simple process because we aim to help you every step of the way to ensure the process is as straight forward and simple as possible.