Aviva Smokers Life Insurance

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Aviva Smokers Life Insurance. Fact! If you don't compare us against the market now it could cost you £1000's. Compare the whole life insurance market.

Aviva smoker’s life insurance has been a gift package to many especially to those who smoke and their family. This is because the other life covers have strict restrictions that tend to lock smokers out. This insurance cover makes the policy accessible to smokers hence giving them a chance to protect their families financially.

How Aviva smoker's life insurance works

Their smoker’s life insurance is good news for everyone who smokes. This policy ensures aims at protecting the family from financial crises after the demise of the policy holder giving them an equal chance with the families for non-smokers. The cover is normally divided into three categories that include the standard, preferred and preferred plus. The standard category covers those who smoke with no particular health issues but not observing healthy feeding lifestyle. The second category covers those who smoke but doesn’t ride or take fast food, are belong to the preferred category since apart from smoking they observe healthy lifestyle generally. This second group is likely to have lower premium among the smokers but higher compared to non smokers in the same group. The third group is of preferred plus that includes the occasional smokers as they do not have high levels of nicotine in the blood compared to regular smokers. People in this group pay the lowest premiums among the smokers’ category. The premiums are normally higher for the smokers due to the fact that one is presumed to be at risk of getting terminal illnesses as a result. Declaring your smoking status is vital as it helps you to get the right policy cover.

what are alternatives of Aviva smokers’ life insurance

Getting this type of cover is recommended for the smokers. However if this is not possible to get the cover due to different reasons, you can opt for whole life insurance policy whose premiums are spread throughout your life or you can get the term life policy that provides cover just for a specified period of time.

what are the benefits of Aviva smokers’ life insurance

Buying premium of smoker’s life cover comes with benefits. This life cover shields your family from being over burdened with paying of the debts that might have accumulated from your medical bills, burial expenses and family needs. It also gives peace of mind when you are alive and when you pass away as it brings about a sense of financial security.

drawbacks to Aviva smokers’ life insurance

Their smoker’s life insurance policy cover has a drawback that you need to be aware of. The premiums are higher compared to non-smokers of the same age, gender, health status and life style as yours. Therefore, you need to compare the package being offered by different providers in order to access the best policy at lowest rates.

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