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Smoker Life Policy Loading?

  • 22-03-2017 5:34pm
    #1
    vivrelaf
    Registered Users, Registered Users 2 Posts: 4 ✭


    Would anyone know or tell me how would I get an insurance company to give the information on the difference in premium for a smoker versus non-smoker?. Have just discovered My Company charged hubby as a smoker for 9 years. Although we informed them 3yrs after he first quit.have rang them and told Autury wont speak to customers & agent cant tell me until next Monday.


Comments

  • #2
    alig123aileen
    Banned (with Prison Access) Posts: 117 ✭✭alig123aileen


    You need to put in it writing to,them and say you expect a refund/credit or you will go to insurance ombudsman. I work in life company. You will get nowhere on the phone.


  • #3
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,750 ✭✭✭✭Atlantic Dawn
    M


    Could be circa 50% more for a smoker.

    You can get a quote online from Irish Life as an example...
    https://www.irishlife.ie/life-insurance/term-life-insurance-quote


  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    50% is there or thereabouts.


  • #5
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    I'd imagine that just because he stopped smoking doesn't mean that the risk has gone away completely. They may still consider him a high risk


  • #6
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    vivrelaf wrote: »
    Would anyone know or tell me how would I get an insurance company to give the information on the difference in premium for a smoker versus non-smoker?. Have just discovered My Company charged hubby as a smoker for 9 years. Although we informed them 3yrs after he first quit.have rang them and told Autury wont speak to customers & agent cant tell me until next Monday.

    Doesn't add up. If you informed them years ago why didn't you get a premium reduction or effect alternative cover elsewhere?


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