80% believe life claims should be paid in full to non-disclosing smokers

Adam Saville
clock • 2 min read

Less so if cause of death is heart attack or lung cancer

According to new research by Protection Review's The Syndicate, four-fifths of UK people surveyed (1000 policyholders/1003 non-holders) believe that an accidental life insurance pay-out should be received in full even if the person who claimed to be a non-smoker was found to be a lifelong smoker. However this figure dropped significantly to 58% if it transpired the death was caused by heart attack, while 40% of respondents suggested non-disclosured smokers were entitled to claim even if they died of lung cancer. Disclosure The research also found that 72% believed that someone appl...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Individual Protection

£1m paid out to Waddle Insurance customers

£1m paid out to Waddle Insurance customers

Average claim took 90 days to complete

Jaskeet Briah
clock 07 May 2026 • 2 min read
Over-85 population expected to double in next 25 years

Over-85 population expected to double in next 25 years

Number of pensionable age people to also grow

Jaskeet Briah
clock 28 April 2026 • 3 min read
Reassured partners with Farewill on will writing

Reassured partners with Farewill on will writing

Digital service to create a legally binding will

Jaskeet Briah
clock 28 April 2026 • 1 min read