Smokers taking out a life insurance policy should be honest about their habits, a charity has stated.The charity Action on Smoking and Health (ASH), reported that individuals could face tests when they are applying for a life insurance policy and maintaining openness about their habits is essential.
Amanda Sandford, research manager for Ash, highlighted current policies which have a reduced monthly premium for those who have quit smoking.
Some insurers are requesting tests that measure the carbon monoxide output to ensure the applicant has given up. The monoxide level in smokers is significantly higher than those who do not smoke.
"There are reasons for offering non-smokers better premiums. We do know that those people will live longer.
"There are easy ways of testing whether people really are smokers or ex-smokers," said Ms Sandford.
Recent research by moneysupermaket.com calculated that smokers pay twice as much in life insurance as compared to non-smokers.
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