Table 4 - Single person smoking almost doubles life insurance cost
On average a single applicant age 35 you will pay 85% more for life insurance if you smoke
Comparison of life insurance costs between smokers and non smokers.
Based on a single application € 250,000 over a term of 35 years
Term 25 years
This analysis demonstrates the additional cost of life insurance if you smoke
| Company Nam | Non smoker | Smoker | Difference over term |
| Zurich | 40 | 21 | 7,980 |
| Royal London | 41 | 22 | 7,980 |
| Aviva | 40 | 22 | 7,560 |
| Irish Life | 45 | 24 | 8,820 |
| New Ireland | 44 | 24 | 8,400 |
We all know smoking is bad for you.
The increased premiums associated with smoking are a startling reminder just how dangerous smoking is.
These underwriters are seeing the health effects of smoking in their claim statistics and hence the extra cost. Underwriters are also focusing on non disclosure issues in this area. Your doctors record's, in addition to your own declaration, in the event of a claim, will most likely reflect your smoking history. So please be careful when completing any questions on smoking and state the full facts of your smoking habits. Failure to disclose full facts could invalidate any future life insurance claim