Life Protection - Monthly Premiums for Smokers
The following table shows the monthly premiums for level life cover of £50,000, £100,000 and £150,000 over a 20 year term for smokers**. They are examples only and assume that acceptance is given at our normal rates. Your monthly premium may differ from the amounts shown, depending on the type of cover required, the plan term required and your personal circumstances. Inflation will reduce the buying power of the level of cover you choose.
**smoker assumes you have used tobacco products in the last 12 months. (Tobacco products include cigarettes, cigars, pipes and nicotine replacements).
Age** | £50,000 Cover | £100,000 Cover | £150,000 Cover | |||
|---|---|---|---|---|---|---|
Male | Female | Male | Female | Male | Female | |
25 | £5.86 | £5.00* | £9.72 | £5.98 | £13.59 | £7.97 |
26 | £6.07 | £5.00* | £10.14 | £6.38 | £14.21 | £8.57 |
27 | £6.28 | £5.00* | £10.56 | £6.78 | £14.84 | £9.17 |
28 | £6.49 | £5.00* | £10.98 | £7.18 | £15.47 | £9.78 |
29 | £6.70 | £5.00* | £11.40 | £7.59 | £16.09 | £10.38 |
30 | £6.91 | £5.00* | £11.81 | £7.99 | £16.72 | £10.98 |
31 | £7.35 | £5.38 | £12.69 | £8.77 | £18.04 | £12.15 |
32 | £7.79 | £5.77 | £13.58 | £9.55 | £19.36 | £13.32 |
33 | £8.23 | £6.16 | £14.46 | £10.33 | £20.69 | £14.49 |
34 | £8.67 | £6.55 | £15.34 | £11.11 | £22.01 | £15.66 |
35 | £9.11 | £6.94 | £16.22 | £11.89 | £23.33 | £16.83 |
36 | £9.97 | £7.68 | £17.95 | £13.36 | £25.92 | £19.04 |
37 | £10.84 | £8.42 | £19.68 | £14.83 | £28.52 | £21.25 |
38 | £11.70 | £9.15 | £21.41 | £16.30 | £31.11 | £23.45 |
39 | £12.57 | £9.89 | £23.14 | £17.77 | £33.70 | £25.66 |
40 | £13.43 | £10.62 | £24.86 | £19.25 | £36.30 | £27.87 |
Based on rates applicable as at 31/03/2008, which are subject to change without notice.
All premiums are subject to individual assessment based on your state of health and other risk factors.
*£5 is our minimum monthly premium. This would buy more than £50,000 of life cover where shown.
**Age on your next birthday.
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