Yes, you can still get life insurance if you smoke. However, smoking can affect both the cost <\/strong>and the terms<\/strong> of your life insurance policy.<\/p>\n In this guide, we\u2019ve pulled together everything you need to know about taking out international life insurance<\/a> as a smoker, vaper and ex-smoker.<\/p>\n Whether you\u2019re an occasional smoker, a heavy smoker, someone who vapes, or someone who smoked in the past, insurance providers will take this into consideration when assessing the risk level of your application.\u00a0<\/p>\n The first step when someone dies abroad<\/a> is obtaining their death certificate<\/strong>. <\/p>\n Different insurance providers may have different criteria for what counts as \u2018smoking\u2019. At William Russell, we define smoking as the consumption of any nicotine product<\/strong>.<\/p>\n This includes:<\/p>\n Smoking increases your risk of developing life-threatening illnesses such as cancer, chronic obstructive pulmonary disease (COPD) and emphysema, and smokers die on average 10 years younger<\/a> than non-smokers. <\/p>\n Even so, smokers are just as entitled to take out life insurance as non-smokers \u2013 however, you should expect to have to pay more for your premiums<\/strong>, since your life insurance provider will consider you a higher risk.<\/p>\n When calculating your premiums, your insurance provider will consider how likely you are to make a claim<\/strong> during the term of your policy.<\/p>\n The more likely you are to make a claim, the higher your \u2018risk\u2019. In order to offset this risk, your insurance provider will likely charge you a higher premium<\/strong>. They may even deny you insurance<\/a> altogether.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n While you may not like to think about the worst-case scenario, having life insurance ensures your family won\u2019t be left struggling financially if something happens to you.<\/p>\n With William Russell, you can insure your life for up to\u00a0US$2 million<\/strong>. For added peace of mind, you can also include our optional accidental death and permanent disablement cover<\/a> when setting up your policy. This provides an extra payout of up to US$1mn<\/strong> if your death was the result of an accident, or a lump-sum of up to US$500,00<\/strong> if you suffer a serious injury resulting in disability\u2014on top of your core life insurance payout<\/p>\n Ultimately, life insurance cover is all about protecting your family and ensuring they\u2019re looked after. For many expats, there\u2019s comfort in knowing that, if the unexpected happens, their loved ones will be cared for<\/strong>.<\/p>\n![\"Male](\"https:\/\/www.william-russell.com\/wp-content\/uploads\/Male-patient-respiratory-disease_William-Russell.webp\")
<\/div>\n<\/p><\/div>\n<\/section>\nLife insurance and smoking<\/h2>\n
How do we define smoking?<\/h3>\n
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Do smokers need life insurance?<\/h2>\n
What is risk?<\/h3>\n