.
The contract for life insurance looks at our health including our smoking habits. The cost of the protection(s) would be different from all the life insurance providers as they all have strength and weaknesses on this landscape.
Understanding if we just have x1 cigar at Christmas, x40 cigarettes a day, nicotine free vape? or other???! and when we last indulged would have huge impact on the premium or cost of the life insurance.
Knowing if we intend to stop or not can save 40% on future premiums
Importantly some providers do not class low volume of cigars as smoking so you would get NONE SMOKING RATES for the life insurance. This is also the same for e-cigarettes and vaping with none nicotine…
Golden Rock Solutions gives free independent advice to help smokers and families get relevant functional and costs effective life and illness protection