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

Seven in 10 Brits concerned over NHS wait times

Seven in 10 Brits concerned over NHS wait times

Affordability concerns for private healthcare nearly doubled

Jaskeet Briah
clock 25 November 2025 • 2 min read
The COVER Review: Men's health, AI for insurers and weight management

The COVER Review: Men's health, AI for insurers and weight management

Week commencing 17 November 2025

COVER
clock 21 November 2025 • 1 min read
Adults aged 45-54 most at risk of financial strain: The Exeter

Adults aged 45-54 most at risk of financial strain: The Exeter

21% had no savings to fall back on

Jaskeet Briah
clock 21 November 2025 • 2 min read