Reaping life insurance savings from giving up smoking

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Health Resources Critical Illness Protection Medical Books No-win no-fee personal injury compensation Weight Loss Explained Darbys Medical Negligence Solicitors provide specialist legal advice in Septicaemia Compensation Claims. Specialist Clinical Negligence Solicitors at LB Law. AFG Law: Personal injury solicitors in Bolton. Adverts Apply at MORE TH>N life insurance and we'll give you the best quote from our panel of leading insurers to help find you the cheapest policy. Prices start from only £5 a monthBuy MORE TH>N pet insurance online and benefit from a 20% discount! From 8 weeks old onwards, your pet cat or dog will be covered regardless of its age (covers each new injury or illness up to £7000).Free helplines for legal advice, medical advice and post-accident counselling, and discounts on our car breakdown cover with MORE TH>N car insurance.With a MORE TH>N home insurance policy, when you buy buildings insurance, we'll give you home contents insurance up to £75,000 absolutely free! Buy MORE TH>N van insurance and benefit from up to a 20% discount when you buy online as well as other great offers when you buy a MORE TH>N BUSINESS insurance product. Life insurancePet insuranceCar insuranceHome insuranceVan insurance Have you suffered an accident that wasn't your fault? Claims Direct and to the point or call us now0800 884 0321 Compensation Calculator See the typical compensation amounts received for different types of accidents and injuries: Area of Body Head/Neck Injuries Torso Injuries Arm Injuries Leg Injuries Injury Type Please choose an area of the body and injury type About Claims Direct Claims Direct can provide you with support for personal injury claims for an accident that wasn't your fault. As a No Win No Fee Solicitor Claims Direct will always strive to obtain the maximum amount of compensation for your personal injury, and you will always keep 100% of your compensation. Medical Negligence Millions of people are treated by health care workers every year, sometimes things do go wrong. If this has happened to you or a loved one, Claims Direct can help you receive compensation for clinical or medical negligence, and you will always keep 100% of your compensation. Road Traffic Accident Road traffic accidents are a common cause of personal injuries. If you've been involved in a car accident, Claims Direct can help you claim compensation whether you are making a whiplash claim or have suffered bruising or a more serious injury, and you will always keep 100% of your compensation. Accident At Work Over a million people suffer an accident at work every year. And while some injuries are minor, others can have serious consequences such as time out of work, financial and emotional strain and even permanent disability or death. Claims Direct can assist you in making a claim for an accident at work, and you will always keep 100% of your compensation. Slip and Trip Tripping on uneven paving or road surfaces and slipping on unclean floors are some of the most common accidents. Although many slip and trip injuries are minor, some can be serious and have long-term effects. Claims Direct can assist you in making a claim, helping you get back on track as quickly as possible and you will always keep 100% of your compensation. Injury Compensation Calculator figures from JSB Guidelines, Edition 9 | Disclaimer

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Reaping life insurance savings from giving up smoking

Do you need life Insurance? The answer is simple, if anyone would suffer financially if you died, either because of the income that would be lost or because of the extra money that would be needed to pay for the free services you provide, childcare for example, then you need life insurance. The main reason for buying life insurance is to provide financial protection for your dependants in the event of your death.

However, buying a life insurance policy is a pointless exercise if you are not willing to be completely honest with your insurance company. Pretending you don’t smoke or only drink a couple of glasses of wine a week in order to cut your premium is pointless. If you were to die and it was discovered you had been a smoker, it could invalidate your policy and leave your family with nothing. Disclose everything to the insurer, all past medical conditions and any risks. If not they can use ‘non-disclosure’ as an excuse not to pay out.

Being a smoker will not stop you from getting life insurance but it will bump up your insurance premium. If you have smoked cigarettes for a period of time within the last year (even if it’s just in social situations), or have you used other tobacco products, such as cigars or chewing tobacco then you are considered a smoker by life insurance companies. Your insurance premium is calculated based on the amount and the type of nicotine you use, and the period of time you’ve used it. If you’ve smoked before, and stopped smoking recently, or haven’t smoked for a long period of time, this can also factor in to calculating your rate. In simplest terms, the way the insurance company view it is if you smoke (even if only a few times a year), you are increasing the risk of health issues and sickness and in turn, will increase the risk of death.

Making lifestyle changes such as giving up smoking can reduce your premiums. However, most insurers will require a level of commitment before they will adjust premiums accordingly.

In order to be classed as a non-smoker and therefore qualify for life insurance premium savings, insurers insist on ex-smokers to have given up for a full year. Therefore, a person who has given up smoking on April 2nd 2009 would officially be classed as non-smoker on April 2nd, 2010. The savings that could be achieved by making this change could be around £227 on critical illness cover or £58 on a single life insurance policy. Add on top of this the additional savings you’ll make from no longer buying cigarettes and you have something to smile about.

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Health Resources

Darbys Medical Negligence Solicitors provide specialist legal advice in Septicaemia Compensation Claims.

Specialist Clinical Negligence Solicitors at LB Law.

AFG Law: Personal injury solicitors in Bolton.

Adverts

Apply at MORE TH>N life insurance and we'll give you the best quote from our panel of leading insurers to help find you the cheapest policy. Prices start from only £5 a month

Buy MORE TH>N pet insurance online and benefit from a 20% discount! From 8 weeks old onwards, your pet cat or dog will be covered regardless of its age (covers each new injury or illness up to £7000).

Free helplines for legal advice, medical advice and post-accident counselling, and discounts on our car breakdown cover with MORE TH>N car insurance.

With a MORE TH>N home insurance policy, when you buy buildings insurance, we'll give you home contents insurance up to £75,000 absolutely free!

Buy MORE TH>N van insurance and benefit from up to a 20% discount when you buy online as well as other great offers when you buy a MORE TH>N BUSINESS insurance product.

Life insurance
Pet insurance
Car insurance
Home insurance
Van insurance

Have you suffered an accident that wasn't your fault?

Claims Direct and to the point

or call us now
0800 884 0321

Compensation Calculator

See the typical compensation amounts received for different types of accidents and injuries:

Area of Body Head/Neck Injuries Torso Injuries Arm Injuries Leg Injuries Injury Type

Please choose an area of the body and injury type

About Claims Direct

Claims Direct can provide you with support for personal injury claims for an accident that wasn't your fault. As a No Win No Fee Solicitor Claims Direct will always strive to obtain the maximum amount of compensation for your personal injury, and you will always keep 100% of your compensation.

Medical Negligence

Millions of people are treated by health care workers every year, sometimes things do go wrong. If this has happened to you or a loved one, Claims Direct can help you receive compensation for clinical or medical negligence, and you will always keep 100% of your compensation.

Road Traffic Accident

Road traffic accidents are a common cause of personal injuries. If you've been involved in a car accident, Claims Direct can help you claim compensation whether you are making a whiplash claim or have suffered bruising or a more serious injury, and you will always keep 100% of your compensation.

Accident At Work

Over a million people suffer an accident at work every year. And while some injuries are minor, others can have serious consequences such as time out of work, financial and emotional strain and even permanent disability or death. Claims Direct can assist you in making a claim for an accident at work, and you will always keep 100% of your compensation.

Slip and Trip

Tripping on uneven paving or road surfaces and slipping on unclean floors are some of the most common accidents. Although many slip and trip injuries are minor, some can be serious and have long-term effects. Claims Direct can assist you in making a claim, helping you get back on track as quickly as possible and you will always keep 100% of your compensation.

Injury Compensation Calculator figures from JSB Guidelines, Edition 9 | Disclaimer