If you stop smoking after taking out life
insurance for smokers, the good news is that your premiums
will likely go down. You normally need to have consumed no
tobacco or nicotine products for at least 12 months. That
includes nicotine patches, vaping and other methods designed
to help you quit tobacco.
Your insurer may ask for evidence that you have stopped
smoking. They might ask your GP to provide a report on your
general health. This could include doing things like a chest
x-ray to assess your general wellbeing.