Life and Critical Illness Insurance. Quit smoking and your premiums will crash. Page 2

So giving up smoking is a really good way to save

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Life Insurance Take a last gasp and count the savings!: If you gave up smoking at least a year ago, this article will help you save lots of money on your life insurance. Essential reading.
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on your life insurance and critical illness premiums. Most companies won't classify you as a non-smoker until you've fully given up for a least a year - and some even want five years. But once you've passed the 12-month stage you need to contact your insurer and be re-quoted. And don't be tempted to lie because that's false economy. If you were subsequently to make a claim, the insurer is certain to seek confirmation from your Doctor that you were a non-smoker and if that was wrong, the claim would be thrown out under the policy's non-disclosure provisions.

Once you have the re-quote you'll see a big reduction in the premium { mortgage quotes } but don't accept it automatically. The odds are that you'll still get a cheaper quote elsewhere on the Internet - and what better place to start than our web site!

Just a word of warning. If you do find it's cheaper to switch, don't cancel your existing policy until the new policy is confirmed and in place. That's because it's always possible that the { mortgage quotations } new insurer will revise their initial quote upwards when they've seen your full application details and health record. Only cancel your existing policy when everything's in place with your new policy.

And it's quite easy to terminate a policy - { mortgage rates } simply cancel your direct debit! After a few weeks the insurer will contact you to find out why - just tell them you don't need the policy anymore, and that's that! There are no cancellation charges just more savings in the bag.