Heated tobacco

Life Insurance for heated tobacco users

Reviti recognises heated tobacco users are different to smokers and your monthly payments will reflect that.

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How others do it

With other insurers, users of heated tobacco and smokers pay the same for their Life Insurance

Redefined Life Insurance with Reviti. We give you reassurance, not higher monthly payments.

Reviti recognises the difference

We’re different! We don’t charge the same monthly payments for smokers and heated tobacco users. Choose Reviti to get great prices.

Why Reviti Life Insurance

Amount a smoker pays

Amount a heated tobacco product user pays with other insurers

Amount a heated tobacco product* user pays with Reviti

Simple, affordable life insurance

Get cheaper Life Insurance with Reviti

Reassess your choices. Obviously, quitting tobacco and nicotine altogether is the best choice a smoker can make. We recognise that exclusive use of a scientifically substantiated heated tobacco product can be less harmful than continuing to smoke*, and you’ll see the difference in your monthly payment.

* based on the totality of evidence available in comparison to continuing to smoke

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Reviti Rewards a better lifestyle

Live Better. Get Payback.

Quitting tobacco and nicotine altogether is tough; we get that, but Reviti is here to help.

We’ll give you a Reviti Payback equivalent to 12 months’ payments* if you quit tobacco, nicotine and vaping altogether for 12 months or more, as well as seek to reduce your monthly payments in line with your new status.

* You must have paid 12 months’ payments on time. Terms and Conditions apply

More about Reviti Payback

12 Months Payback
You quit. We give back.

How to get 12 months’ of Life Insurance payments back

Quit tobacco, nicotine and vaping altogether for 12 months or more and get a Reviti Payback.*

More about Reviti Payback

1

Inform us you have quit tobacco, nicotine and vaping altogether

2

Sustain a tobacco and nicotine free lifestyle for 12 months or more

3

Reviti gives you 12 months’ worth of Life Insurance payments back*

* You must have paid 12 months’ payments on time. Terms and Conditions apply

Simple, affordable Life Insurance

You’ll be covered in minutes for as little as £5 per month

Get instant access to a Life Insurance policy that rewards your positive life changes.

Just a few minutes of your time and a few pounds a month and your family have some protection if you die.

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Peace of mind along the way

What you get with Reviti

RElax

Receive a lump sum payout if you were to die during the term of your policy.

Learn about Life Insurance

REassuring

We'll be there when you need us, offering an early payout claim should you develop a terminal illness.

Learn about terminal illness cover
Frequently asked questions

You’ve got questions. We’ve got answers.

How is Reviti different?

Most insurance providers have long treated smokers, vapers and heated tobacco users the same, meaning they pay the same monthly insurance payments as a smoker of the same age. At Reviti we do things differently with our pricing and distinguish between switchers and quitters on the one hand and smokers on the other. If you are a policyholder and you quit tobacco, nicotine and vaping altogether for 12 months or more, we offer Reviti Payback, which is 12 months of your payments paid back to you, once your policy has been in force for 12 months and you have made all your monthly payments on time. This is just to say ‘Well done!’ from Reviti. Please see the full terms and conditions for Reviti Payback. We'll also seek to reduce your monthly payments in line with your new ex-smoker status.

I’m a user of a science backed smoke-free alternative. Will this affect the cost of my Life Insurance?

Unlike most other Life Insurance providers, at Reviti we do things differently with our pricing and distinguish between exclusive users of a science backed smoke-free alternative on the one hand and smokers on the other. As a Reviti customer, you will pay less than a smoker of the same age if, in the past 3 months or more, you have exclusively used a science backed smoke-free alternative (currently, the IQOS tobacco heating system).

How is my premium calculated?

This is based on several factors, including your age, occupation, your chosen sum insured, health and lifestyle. Decisions and prices are based on lots of data that help to assess your risk based on the information you provide.

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