Yes, Many providers price differently for someone who quit last month versus five years ago. That gap can create inconsistent quotes across journeys, extra explaining and confusion for clients.
Smoking History closes that gap by sharing smoking history (ever smoked + date last smoked) with providers on every quote. The result is pricing that reflects real risk—upfront and consistently.
SolutionBuilder will now indicate where Provider “Considers smoking history” for the so you will know that the premium will stay the same in SolutionBuilder vs Provider extranet where the same smoking information was provided.
The providers that currently support this without running an Advanced Underwriting Quote are:
Legal & General
Scottish Widows
The Exeter
British Friendly
Cirencester Friendly
Holloway
MetLife
National Friendly
Shepherds Friendly
With more providers being onboarded in due course.
You will also see the ex-smoker status considered with the below providers when running an Advanced Underwritting quote:
The Exeter
Vitality
Zurich
Please note this is not available via Assureweb. See further articles for further information regarding quote and comparison results.