Life and Critical Illness Insurance. Quit smoking and your premiums will crash.
Smokers have less money to burn that the rest of us - that's
- Low Cost Life Insurance
- An introduction on how to find and qualify for cheap life insurance
- Life Insurance and Life Assurance are not the same!
- Life Insurance and Life Assurance are different. Most people assume they are one and the same product and their online searches reflect this. What are the differences and what are they used for? This article provides an explanation for the layman.
- Critical Illness Insurance. Big changes on the horizon
- Critical illness insurance is beginning to price itself out of the market. But moves are afoot to bring in Menu Pricing. This will enable you to select which illnesses you want to insure against and you simply pay for that level of cover. This article explains.
- Critical Illness Insurance. Are your children insured?
- Ensure that your critical illness policy automatically covers your children. This article explains why it's so important.
- Save Thousands on your Life Insurance.
- Smoking is the bane of many our lives. Giving up not only helps you live a longer, healthier lifestyle - it can also save you thousands on life insurance.
- Critical Illness Insurance. Concerns for Cautious Customers
- The selling of Critical Illness Cover has been under review by the FSA. They are addressing some concerns in their report in an effort to protect the customer.
So the forthcoming ban on smoking in enclosed public places which { mortgage rates } comes into effect in summer 2007 is surely a great time to take your last drag! Similar smoking bans already in force in Scotland and Ireland, have persuaded thousands and thousands to give up.
Indeed, recent figures from the Health Development Agency show that smoking is the biggest single cause of illness and premature death, killing some 83,200 people a year in England alone! It's not surprising therefore, that health considerations are the most persuasive reasons for kicking the habit - but there are some significant financial reasons as well!
As smokers and ex-smokers alike can testify, it's far from easy to quit the habit - but along with the health dividend, the thought of extra spending money should provide a major incentive. { mortgage quotations } Reformed smokers could put some of their newfound money into savings or pay off debts quicker, or even overpay their mortgage. Even more holidays come into play!
And life insurance is another area to make big savings. Smokers frequently pay up to twice as much for their cover than non-smokers and it seems as if premiums for smokers are still rising. That's because for some years now the insurance companies have been locked in a price war fuelled by the Internet.
People searching the Internet for low prices, have forced the life insurance companies to cut their standard rates - these are the rates they quote all their initial enquiries. But the insurers have had to recover some of their revenue in other ways. What we have seen is a tightening of underwriting criteria. This means { car insurance quotations } that anyone who is not a lithe, fighting fit non-smoker will have to pay non-standard rates - to you and me, that means more! And as smokers expose themselves to a self imposed health risk, they get hit in the neck!