If you are a non-smoker then it will be worth looking for a policy that will reward you for this – Legal & General and Royal London both do. Equally if you are a smoker then it is worth looking for a policy that doesn’t differentiate between smokers and non-smokers as you will likely get more for your money – British Seniors for example.
The bottom line is if you smoke then the insurers don’t think you will live as long and so will increase the price you pay for the same amount of life insurance as a non-smoker. Whatever you do make sure you are honest if the insurer asks you if you are a smoker – they may check when it comes time to claim.