If you are looking for Smoker life insurance leads, we own and operate a Smoker life insurance leads generation platform called Impaired Life Leads.
iLL has joined forces with hundreds of UK FCA-authorised brokers and BDM's of mainstream insurers with the aim of building joint partnerships within the impaired life insurance space. We provide the leads, the broker is provided the Smoker life insurance leads and then sells the policies and provides the advice, and we simply earn a commission on each policy that's put through.
We have the power to generate over 2000 Smoker life insurance leads per week within the impaired space and we are looking for a simple relationship with a mutually beneficial end.
If you're interested, give us a call - we will even help you how to best place an impaired customer using specialist impaired life placement software.
We have a minimum starter Joint Venture order of 100 leads per week for your chosen medical condition(s).
If you are a smoker, it is unavoidable that you will have to pay more for life insurance premiums because of the associated health risks that smoking carries. This doesn’t mean however that you should find it difficult to secure cover that meets your needs. At iLL, we help smokers to find life insurance cover that protects them now and in the future. We work with a network of approved impaired insurance specialists, and can help you quickly and easily locate the best smoker life insurance policy at the best price.
Smoking carries many health risks, including angina, heart disease, cancer and bronchitis. Because your risk of developing such conditions is much higher, you are considered to be of greater risk to an insurer. As a result, you should expect your premiums to be higher than they would be for a person who doesn’t smoke (typically, this is normally double the amount than a person who doesn’t smoke). If you decide to add critical illness cover to your policy, your premiums will continue to be high. Prices you pay will always depend on your personal circumstances, health and medical history.
Many insurers offering life insurance will ask questions regarding your family medical history, health and smoking behaviours. They will want to know how often you smoke, and for how long you have been smoking. You should always give honest answers regarding your smoking habits in your application, even if you only smoke on occasion. In terms of the types of products that you smoke, an insurer will not prefer one type over another. You will still pay higher premiums, whether you smoke a pipe, cigars, cigarettes or e-cigarettes. In the insurance world, e-cigarettes are still classed as cigarettes, as long-term health benefits haven’t yet been proven and the products themselves still contain nicotine.
Knowing that you face higher premiums as a smoker can feel a little demoralising when it comes to finding the right life insurance cover for your needs. Depending on how much you smoke and whether you have any underlying health conditions, some insurers may be cautious about accepting your application. All insurers have to underwrite applications they receive from customers looking for smoker life insurance, and need to manage their level of risk. Insurers may request confirmation from your doctor as to whether you smoke.
iLL helps smokers to find the right insurer for their needs and circumstances. While many insurers will consider smokers at higher premiums, it is always worth doing a quick comparison through our website to find one that will offer you cover at the best price.
If you are a smoker, you will certainly face higher premiums than a person who isn’t a smoker. Your premiums will also depend on any underlying medical conditions, medications you are taking, family medical history, your age, BMI and lifestyle.
Prices from insurers will vary depending on who you speak to, which is why iLL is the perfect place to find the best smoker life insurance.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you are a heavy smoker with health complications and have not made any attempts to quit smoking or change your lifestyle, an insurance company may take the view that you pose a high level of risk and may make a claim in future. A loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs if you are a smoker.
iLL works with many of the UK’s leading smoker life insurance providers. With our panel of FCA- registered impaired life insurance specialists, you can receive quotes from more than one life insurance broker that offers cover for smokers. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
Critical illness cover covers you against the risk of serious illnesses such as cancer, heart attack or stroke. Should you need to make a claim, your insurance provider will pay out a lump sum if you are diagnosed with a critical illness. This sum could be used to pay off your mortgage, cover bills or to make lifestyle modifications to your home based on your illness.
Smokers should expect to pay more for critical illness cover than non-smokers. This is because smoking puts you at a greater risk of contracting an illness such as cancer. An insurer will usually request details from you regarding how much you smoke every day. If you smoke less than 10 cigarettes a day, you could be accepted for cover, but at higher premiums.
iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer.
For help and support about quitting smoking, visit the following links:
British Heart Foundation
Cancer Research UK
Action on Smoking and Health
iLL can make the purchasing of life insurance a more simple and straightforward process. If you are a smoker, it can feel overwhelming to try and find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for smoker life insurance. Our free service can help you find the right cover at the best price.