Health & Lifestyle Insights
Getting cover with a health condition, smoking or vaping, a high BMI or a past decline — and what happens when you claim.
6 articles in Health & Lifestyle
Declined for life insurance? A decline is not the market's answer
A decline from one insurer is a statement about that insurer's appetite. It is regularly mistaken for a statement about you.
Read →Vaping and Life Insurance UK: Will Your E-Cigarette Habit Push Up Your Premiums?
The question of how UK insurers treat vapers is one of the most misunderstood areas in the protection market right now. The short answer: it depends entirely on which insurer you approach — and getting it wrong could cost you significantly more than necessary.
Read →Life Insurance With a High BMI in the UK: What's Changed in 2026
If you've been putting off getting life insurance because of your weight, the market may be more accommodating than you expect — particularly if you're using a GLP-1 medication such as Ozempic or Wegovy. Here's how UK underwriting is starting to adapt.
Updated 6 October 2026Read →Life Insurance for Smokers in the UK: What You'll Pay and How to Reduce It
Smoking is the single most significant lifestyle factor in UK life insurance underwriting. It affects your premiums more than most pre-existing health conditions, and it's one of the factors buyers most consistently underestimate — until they receive their first quote.
Updated 6 October 2026Read →Diabetes and life insurance: what UK insurers actually ask
A diabetes diagnosis does not close the door on life insurance. It changes which door you should be knocking on.
Updated 6 October 2026Read →Mental health and protection claims: how cover has changed
Mental health is no longer a footnote in protection — it is one of the most common reasons people claim on income protection.
Updated 6 October 2026Read →