When you apply for life insurance as a new customer, your policy terms will be based on your smoker status at the time of your application. If subsequently you take up smoking after purchasing the policy, your policy or premiums will be unaffected, so long as the details you gave when you made the application were accurate, and your premiums are up-to-date. Note that if you miss your premiums in the future and we require a health form, you won’t be able to have your policy reinstated.
If you’re a policyholder and you no longer smoke, this won’t affect your current policy or premiums. Your policy would remain valid.
That said, if you now meet our definition of a non-smoker, you may be eligible to take out a new policy as a non-smoker. The cost of a new policy may have changed since you took out your previous one. To classify as a non-smoker, you must have used no tobacco or nicotine replacement products, including electronic cigarettes, over the last 12 months.