Life Insurance for smokers

Get our Life Insurance cover from only £5 per month.

Main Header Main Header
Not ready to quit smoking?

Great Life Insurance rates for smokers

How our pricing stacks up

Reviti does Life Insurance differently. We have great rates for smokers, and if you are looking to quit, we’ll also give you 12 months’ payments* back if you quit using tobacco and nicotine altogether for 12 months or more.

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

I'm aged

18-26

26-35

36-55

Reviti

£6

.28 / mo

Quit Smoking Payback

£175K

cover amount

30

years cover

Legal & General

£7

.16 / mo

You Pay £316.80 more with Legal & General over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

30

years cover

Aviva

£9

.38 / mo

You Pay £1116.00 more with Aviva over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

30

years cover

Royal London

£9

.90 / mo

You Pay £1303.20 more with Royal London over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

30

years cover

Reviti

£6

.99 / mo

Quit Smoking Payback

£175K

cover amount

20

years cover

Legal & General

£9

.23 / mo

You Pay £537.60 more with Legal & General over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

20

years cover

Aviva

£10

.60 / mo

You Pay £866.40 more with Aviva over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

20

years cover

Royal London

£11

.59 / mo

You Pay £1104.00 more with Royal London over the lifetime of this policy.

Quit Smoking Payback

£175K

cover amount

20

years cover

Reviti

£12

.77 / mo

Quit Smoking Payback

£150K

cover amount

20

years cover

Legal & General

£15

.71 / mo

You Pay £705.60 more with Legal & General over the lifetime of this policy.

Quit Smoking Payback

£150K

cover amount

20

years cover

Aviva

£18

.04 / mo

You Pay £1264.80 more with Aviva over the lifetime of this policy.

Quit Smoking Payback

£150K

cover amount

20

years cover

Royal London

£20

.13 / mo

You Pay £1766.40 more with Royal London over the lifetime of this policy.

Quit Smoking Payback

£150K

cover amount

20

years cover

All prices are based on quotes completed in October 2021. Prices may change over time and T&C’s for the products may vary.

Reviti Rewards a better lifestyle

Live Better. Get Payback.

Quitting can be difficult for some smokers; we get that, if you’re thinking of quitting then Reviti is here to help you achieve your goal.

We’ll give you 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

RElax you’ll be covered in minutes, with policies from only £5 per month

Protect your loved ones with our Life Insurance. Zero paperwork, no medical exam, just fast cover to suit you and your family.

Clock
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 smoker. Will my policy be cheaper if I stop smoking?

We offer 12 monthly insurance payments in payback to any of our customers who successfully quit tobacco, nicotine and vaping altogether for 12 months or more. The payback will be made after your policy has been in force for 12 months and provided you have made all your monthly payments on time. You must also complete and sign a Payback declaration. 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.

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.

Get a quick quote in 60 seconds

Life’s too short to waste time on long forms, it takes just 10 minutes to get covered.