KGJ Office in Stourbridge

Life insurance is an important part of keeping your financial affairs in order, and it’s no different if you’re a smoker.

You may be thinking that with smoking having so many widely known and researched adverse health effects, getting life insurance would be particularly problematic, but rest assured you’re not completely without options.

With over 50 years of experience in personal insurance solutions, the experts at KGJ are ideally placed as the best life insurance providers in a range of specialist areas, including the perceived complexity surrounding life insurance for smokers.

So, get in touch with us and let us help you find a policy that acknowledges your situation while still offering the coverage you need.

Why Does Smoking Affect Life Insurance?

It has been known since at least the middle of the last century that there is a significant link between smoking and a wide number of health issues, problems and diseases.

Because of smoking’s contribution to a shorter life expectancy and myriad other medical concerns along the way, life insurance for smokers tends to cost more:

  • Higher Health Risks: Smokers statistically face a higher risk of developing diseases such as cancer, heart disease and respiratory problems.
  • Increased Insurance Claims: Smokers are more likely to claim life insurance due to health complications, which leads insurers to increase premiums to balance this risk.
  • Shorter Life Expectancy: On average, smokers have a shorter life expectancy than non-smokers, influencing the cost and terms of insurance policies.


Commercial Insurance Bunny couple
Man calculating figures on a desk

Smoking or Vaping?
Is There a Difference Where My Life Insurance Is Concerned?

While vaping has been perceived as a ‘healthier’ alternative to smoking, it will be some time yet before long-term studies into the effects of vaping are fully understood.

Therefore, when it comes to securing life insurance, many insurers class vaping and smoking in the same category, particularly as vaping can often involve the use of nicotine, just like cigarettes.

Any nicotine usage is a concern for insurance companies.

Why Choose KGJ for Your Smoker’s Life Insurance?

Simply, because we put you and your financial security and peace of mind at the heart of everything we do.

With over half a century in the business, we have the expertise, longevity and knowledge to back up our claim as one of the best life insurance providers in the West Midlands, and beyond.

Choosing KGJ means opting for an experienced partner who understands your individual needs:

Personalised Consultations

Speak directly with our experts over the phone or in person.

Tailored Solutions

Our policies are highly customised to match your lifestyle and needs.

Proven Experience

Decades of experience means we know how to navigate the complexities of life insurance for smokers.


We don’t answer to anybody else but you. Your best interests are ours too.

Get Friendly, Free Advice Today

How Will a Life Insurance Company Know if I Smoke or Not?

Insurance companies can check medical records or require a medical examination before providing cover, which can reveal nicotine use.

Anyway, honesty is always the best policy, and being upfront about smoking and vaping is crucial, because:

  • Verification Through Medical Tests: Insurers might require a cotinine test, which detects nicotine in your body, to verify if you smoke.
  • Risk of Claim Denial: If it is found that you withheld information about your smoking habits, your insurance claim could be denied based on non-disclosure, leaving you unprotected.
Personal Insurance Fox Couple

Professional Partners

Other Main Services