Change to a non-smoker
When you take out your policy, you are considered a smoker if you have smoked a cigarette or any other substance during the past 12 months, including a vape or electronic cigarette.
Once you have been smoke-free and have not smoked tobacco or any other substance, including e-cigarettes and vaping, for 12-24 months, depending on your policy, you can request to change to cheaper non-smoker rates.
Just fill in this declaration and return it to us.
Pinnacle Life - Non smoker Declaration (PDF)
