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You can make great savings on life insurance by not smoking, says Helen Monks
Jump to full article: The Independent (uk), 2005-03-12
Author: Helen Monks
Intro: Finding it tough if you gave up cigarettes on National No Smoking Day on Wednesday? If so, take comfort from how much money you're saving. Not only are you no longer spending £5 on each packet of 20, but by giving up you'll soon be entitled to cheaper insurance.
That's crucial when it comes to life and critical illness insurance. Brokers warn that after a decade of falling prices, premiums could rise by as much as 10 per cent this year.
The independent adviser LifeSearch says factors that in previous years contributed to lower premiums, such as fewer than expected numbers of claims relating to HIV and Aids, are running out of steam. Kevin Carr, a senior technical adviser at LifeSearch, says: "Few things become cheaper indefinitely and life cover premiums have hit the bottom."
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