Insurance

Archive for March, 2010

If you are looking for cheap insurance quotes for smokers in the uk, where do you start? Well you could give up smoking but unfortunately most life insurance companies insist you not to smoke for 12 months prior to applying for life insurance. So if you can stop smoking for 12 months and can wait for the life cover this might be an option. However if you need life insurance now it is not really something to consider.

Another thing you must be aware of is the different kinds of smoking that life insurance companies take into account when underwriting risk. Any type of tobacco use is considered smoking, examples being pipe smoking, cigar smoking or even chewing tobacco, some people do still use this stuff and it is still a tobacco product in the eyes of the insurer.

Insurance companies will always consider a smoker a higher risk than a non smoker.However other than giving up smoking you can do several things to lower the cost of life insurance quotes if you are a smoker.