Smoker Premium Savings Calculator
Compare estimated smoker vs non-smoker premiums in minutes.
Enter your details
Estimated non-smoker discount: 25%
Adjust this to reflect market estimates in your age bracket.
Smoker premium savings calculator guide
WeCovr's smoker premium savings calculator helps UK buyers estimate how quitting can reduce life insurance costs, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. It highlights the financial upside of being smoke-free.
What this smoker savings calculator estimates
The calculator applies an illustrative discount to show how smoker and non-smoker premiums can differ. Many insurers require at least 12 months smoke-free to qualify for non-smoker rates.
Results are indicative and vary by insurer, age, and health profile.
Shows estimated premium differences for smoker vs non-smoker status.
Lets you adjust the discount to match market expectations.
Designed for budgeting and motivation, not underwriting.
How insurers define smoking status
Most insurers treat vaping or nicotine replacement as smoking for pricing. Definitions can vary, so you should confirm with the insurer or adviser before applying.
Why WeCovr is trusted for protection advice
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references FCA guidance on insurance advice and typical UK insurer underwriting practices regarding smoking status.
Smoker vs non-smoker pricing snapshot
| Status | Estimated cost | Key factors | Best for |
|---|---|---|---|
| Smoker | Higher | Nicotine use within 12 months | Current smokers |
| Non-smoker | Lower | Smoke-free 12+ months | Quitters and non-smokers |
| Vaping/nicotine | Higher | Often treated as smoker | Nicotine users |
Related WeCovr resources
FAQs
How long do I need to be smoke-free for non-smoker rates?
Most insurers require at least 12 months without smoking or nicotine use, but definitions can vary.
Does vaping count as smoking for life insurance?
Many insurers treat vaping or nicotine replacement as smoking for pricing purposes.
Can I update my policy if I quit smoking?
Some insurers allow a re-rate after a smoke-free period, but you may need to reapply or provide evidence.
Are the savings shown here guaranteed?
No. They are illustrative and depend on insurer underwriting and your health profile.