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Does smoking make your insurance more expensive?

Does smoking make your insurance more expensive?

Smoking and life insurance don’t always come hand in hand.

Smokers generally face higher premiums than non-smokers when applying for insurance due to health concerns. We receive a number of queries about how smoking will affect an insurance policy. We had one particularly interesting query from a cigar smoking client reluctant to pay "smoker's" premiums. Seeing the massive savings to be had, the client asked us to check if there were any insurers that would consider him to be a non-smoker.

And the result?

Our team got cracking and after calling a range of insurers to find out how they would approach the situation, one insurer confirmed that if the cigar smoking was limited to no more than one a day, the client would indeed qualify for non-smokers rates. This was quite significant for the client as it meant he could be able to save thousands of dollars over the life of the policy - and really shows the importance of a quick comparison when you're picking a life insurer.

We're happy to help!

If you have any questions, or think that life insurance could be worth looking into, head on over to LifeDirect, and start a free quote to compare a range of policies from New Zealand’s leading insurers. Alternatively, you can use our website livechat or give us a call on 0800 800 400 and talk to one of our friendly sales consultants.

About the author

At LifeDirect, our core belief is that Kiwis deserve clear and straightforward choices when buying insurance. We hope this little bit of information will help you to make smarter decisions with insurance.  

If you want to get in touch, our Customer Care team based in Wellington is here to take the pain out of setting up your insurance.