Meanwhile, a smoker would pay £21 on average - an increase of 111 per cent.
MoneySuperMarket explains that insurers will assume that the application is truthful, but should they suspect “anything is amiss”, they can request for a urine or saliva test be carried out, in order to determine whether the application is a smoker.
This could also include contacting the policyholder’s GP for more information on their medical history.
“The insurer may also investigate if you make a claim on the policy,” the price comparison giant said.
“For instance, the coroner’s report might attribute death to a smoking-related illness.”
It goes on to advise that had a person concealed their tendency to smoke, then it could mean that they decline to pay out.
MoneySuperMarket said: “If you have concealed your habit from the insurer, the policy is then unlikely to pay out, which could place those who may benefit from the policy in financial difficulty.”
It also highlights that insurers do not tend to make any distinctions between certain tobacco products.
This includes cigarettes, cigars, pipes, nicotine replacement products, and E-cigarettes.
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