Summary

You'll save more than the cost of the cigarettes if you stop smoking. The cost of your life and critical illness insurance premiums should be cut by half.

Giving up smoking will increase your wealth. Page 2

Author: Michael Challiner

For even more incentive, smoking bans are now in place in enclosed

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Giving up smoking will increase your wealth: You'll save more than the cost of the cigarettes if you stop smoking. The cost of your life and critical illness insurance premiums should be cut by half.
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Life Insurance News

public places in ( term assurance ) Scotland and Ireland and England will be joining them around mid 2007. An impressive number of people have given up their smoking habit as a result of this.

Once you've achieved your goal and broken the habit, you'll have to convince your insurer that you're a reformed character! You need to have given up smoking for between 1 and 5 years (most companies would be happy with 1 year) before you can be counted as a non-smoker. Then you can ( car insurance policy ) contact your company and ask them to re-quote. You'll see a very much reduced premium. At this stage it's worth trying the internet to see if you can save even more money. It would be as well to wait until your new insurer has checked your health details and accepted your application before cancelling your current cover.

It's no trouble to cancel a policy - stop paying! If you cancel your direct debit the insurer ( mortgage quotes ) will contact you fairly quickly to see what's going on. You then need to tell them that you no longer require the cover. Cancellation charges will not apply.

Talking of health details, please be completely truthful when you fill in the proposal ( car insurance quotes ) form. In the event of making a claim, your insurer will approach your Doctor for confirmation of your non-smoking status and if you're found to have misled them, your claim will be refused due to non disclosure of facts.

However long you've been a smoker, the improvement in your health gained by quitting is very worthwhile. Remember, to miss-quote someone famous, "Tis better to have smoked and stopped, then never to have stopped at all!" Or something like that.