Can smokers get life insurance in South Africa?

Yes, smokers can qualify for life insurance in South Africa. However, they may pay higher premiums due to increased health risks.

How much more do smokers pay for life cover?

On average, smokers may pay between 25% to 100% more for life insurance, depending on age, health, and policy terms.

Can I reduce my premium if I quit smoking?

Yes, if you quit smoking for at least 12 months and pass a medical test, your insurer may reassess your premiums and lower your rates.

Do I have to disclose my smoking habit?

Absolutely. Failing to disclose that you smoke is considered non-disclosure and can lead to claim denial or cancellation of your policy.

What type of life cover is best for smokers?

Smokers should look for term life or whole life insurance with flexible underwriting. An independent broker like Peter Pyburn can help you compare options.

Home Page: peterpyburn.co.za

Best Low Premium Life Insurance for Smokers

Commit to Quit Smoking, and YOU can get Lower Premiums TODAY!

There is a life company that will help you quit smoking and give you discounted life insurance premiums!!

If you are committed to quitting and have health and lifestyle attributes that are associated with a reduced risk of death or disability,
you can now get the benefit of a discounted life, disability and dread disease premium rate. You get an immediate benefit of a lower premium, just by committing to quit smoking!
Yes, even before quitting! Access to tools to successfully quit smoking.

a 20% discount for the Allen Carr Easy Way to Stop Smoking (#1 stop smoking program in the world)
a piggy for your savings!
a stress ball to keep your hands busy!

Feel better, breathe easier, taste things, look better and save on premiums!

All you have to do is commit to quit and then save money
This may be the incentive (and help) you need to quit.

Commit to quit and immediately save on your insurance premium!

What is the cost?

Please note:
If you resume smoking after 6 months and before 12 months the premium will be increased from that of a non-smoker to smoker.
The discount for the intention to quit smoking is available only once per client.
If you do not quit smoking before the 1st policy anniversary, half of the 10% quit smoking discount is forfeited.
If you do not quit smoking before the 2nd policy anniversary the remaining half of the 10% quit smoking discount is forfeited.

083 655 2164

income protection Medical aid pays healthcare costs.
What if a disability STOPS your income?

YMYL: YOUR TRUSTED, QUALIFIED ADVISOR
Peter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning.

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Important Disclaimer:This content is for informational purposes only and does not constitute financial advice. Past performance is not indicative of future results.
Please speak to me before making any decisions.

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Last update: September 7, 2025