Many would agree smoking is bad for us - however the good news is there are much healthier options to give better life insurance and critical illness protection for families.
Some of the Insurance companies are now seeing the different choices around smoking and this is reflected in how they support smokers. Some providers will "reduce" their premiums if we stop smoking without re-applying saving approx 40% on premiums (others would make us reapply at that new older age and factor in current health to! - so premiums only come down a little)
Vaping or E-cigarette is seen to be much healthier with some providers; especially if its nicotine free (none smoking rates are achievable in some instances!)
Understanding is its a once a year festive Cigar, vaping or x40 per day can mean a huge difference in what you pay in your premiums and how they can protect you.
Please speak to us so we can help you understand the best solutions as above
