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

Author: Michael Challiner

Figures released recently by the Health Development Agency confirm

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Life Insurance News

that smoking is ( life insurance quotes ) killing around 83,200 people a year in England. It is the largest cause of illness and significantly decreases smokers expected life-span.

Speak to any reformed smoker and they will tell you just how difficult it was to overcome ( term assurance ) the habit, although invariably they enthuse about their improved health and the saving in money. Did you know that smokers spend an incredible £92,000 on cigarettes, on average, during their lifetime? How's that for an incentive to quit?

It's not only the cost of the cigarettes that they'll save on. Life and critical illness insurance premiums will be healthier too - smokers can pay up to double the cost of their insurance cover. With the increased accessibility to information on the internet, people have been searching for ever ( mortgage quotes ) lower prices for their insurance cover. This has led to a price war with insurance companies battling to retain their share of the market. In an effort to recoup some of the lost revenue, insurers have tightened their criteria and now insist that smokers must pay an increased premium to cover the health risk which their habit fuels. The standard rates for these insurance policies shown in ( car insurance policy ) insurance advertisements are for the fit and healthy and clearly the risks to which smokers expose themselves take them out of this category.

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