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Smoker Income Protection

  • Smokers can get income protection
  • Higher premiums but still affordable
  • Cover up to 70% of your income
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Smoker Income Protection

Complete guide to income protection for smokers. Yes, smokers can absolutely get income protection insurance - however premiums are typically 20-50% higher than non-smokers due to increased health risks from smoking (cardiovascular disease, respiratory conditions, cancer). Despite higher costs, smokers can find affordable cover by comparing quotes from multiple insurers, choosing longer deferred periods, and considering quitting (premiums reduce to non-smoker rates after 12 months smoke-free). LifePro compares quotes from 50+ UK providers to find the best income protection for smokers covering up to 70% of income. All smoker-related illnesses are fully covered.

By: Lorna Bailey Protection Expert Updated: 3rd January 2026

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How will smoking affect your income protection insurance?

Yes, you can purchase income protection if you’re a smoker.

However, your smoking habits will likely affect the price you cover your cover.

This is due to the associated risks smoking can have on your health, including the increased risk of developing certain illnesses (such as high blood pressure, respiratory complications, cardiovascular disease and cancer).

Fear not, it’s still possible to secure affordable cover to meet your needs.

Why not let LifePro help you compare prices from the whole of the market?

This way you can discover the best income protection for smokers.

Simply contact us for your fee-free and no-obligation quotes.

How much income protection insurance do you need?

The amount of income protection insurance you need depends on your individual circumstances and financial commitments. Most experts recommend covering 50-70% of your gross annual income, as this typically provides enough to maintain your standard of living if you're unable to work due to illness or injury.

When calculating how much cover you need, consider:

  • Your monthly mortgage or rent payments
  • Household bills and utilities
  • Childcare costs
  • Loan repayments and credit card bills
  • Daily living expenses for your family
  • Any savings you have that could cover short-term absences

Remember that income protection payments are tax-free, so you may not need to replace your full salary. The key is ensuring you can maintain your essential outgoings and standard of living during a period when you're unable to work.

To get an accurate quote tailored to your needs, use our free comparison service to compare quotes from 50+ UK providers, including Smoker Income Protection.

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Why smokers should use LifePro for their income protection

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

What’s the best income protection for smokers?

The best income protection for smokers will be the policy that helps you cover your key financial commitments, while being at the most affordable price.

In order to choose the best income to meet your needs, there are some important policy terms it's advisable to be aware of:

Frequently Asked Questions

Can smokers get income protection?

Yes, smokers can absolutely get income protection insurance. However, premiums are typically 20-50% higher than non-smokers due to increased health risks. Smoking increases risk of cardiovascular disease, respiratory conditions, and cancer, which makes claims more likely. Despite higher costs, smokers can still find affordable cover by: Comparing quotes from multiple insurers, Choosing longer deferred periods (13-26 weeks), Quitting smoking (premiums reduce after 12 months smoke-free).

How much more does income protection cost for smokers?

Smoker income protection costs 20-50% more than non-smoker rates. Example comparison (35-year-old, £30,000 income, 26-week deferred period): Non-smoker: £22-28/month, Smoker: £28-42/month. Factors affecting smoker premiums: Amount smoked per day, Type of smoking (cigarettes vs cigars vs vaping), Years smoking, Age, Overall health. Vaping/e-cigarettes: Usually classed as non-smoker by most insurers after 12 months of no tobacco.

What counts as a smoker for income protection?

You're classed as a smoker if you've used nicotine products in the last 12 months, including: Cigarettes (any amount), Cigars, Pipes, Chewing tobacco, Nicotine patches/gum (for recreational use). Usually NOT classed as smoker: Vaping/e-cigarettes (after 12 months tobacco-free), Nicotine replacement for quitting, Passive smoking. You must declare honestly - non-disclosure can invalidate claims. Most insurers ask about last 12 months of usage.

Can I reduce my premiums by quitting smoking?

Yes! After 12 months of being smoke-free, you can request non-smoker rates. Process: 1. Quit smoking completely, 2. Wait 12 months, 3. Contact insurer to request smoker status review, 4. May need to complete medical questionnaire/test, 5. Premiums reduce to non-smoker rates. Potential savings: 20-50% reduction in premiums. Some insurers offer support programs to help you quit. Even reducing smoking helps - some insurers offer intermediate rates for light smokers.

Will my income protection pay out if I get smoking-related illness?

Yes, income protection pays out for smoking-related illnesses if you've declared your smoker status honestly. Covered conditions include: Lung disease, Heart disease, COPD, Cancer, Cardiovascular problems. Important: You MUST declare smoking status accurately on application. Non-disclosure can void policy and reject claims. Your higher premiums as a smoker reflect this increased risk - you're fully covered.

Do all insurers charge the same for smokers?

No, smoker premiums vary significantly between insurers (30-40% difference possible). Factors causing variation: Different risk assessment models, Specialist smoker policies, Volume of smoker customers, Underwriting criteria. This is why comparing quotes is crucial for smokers. LifePro can help you: Compare 50+ insurers, Find smoker-friendly providers, Identify best value policies. Don't accept the first quote - shop around for significant savings.

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