No smoking day is on March 11th.  This day is an incredible incentive to kick the habit.  If you can stop smoking for one day, you can stop forever.  Trust me on this, I did it.

Stopping smoking for health reasons will be reward enough but your life assurance and critical illness premiums would also decrease too.  Moneysupermarket.com says those who kick the habit could see a difference in their wallets as well as their health; saving on average £8,404 on combined Critical Illness Cover (CIC) and life cover, or up to £1,725 on a single life insurance policy.  This is a substantial amount of money on its own.  Add this to the money saved by not buying cigarettes and suddenly you are far better off each month.

No smoking day should also provide an incentive for those people who smoke and declined critical illness cover when it was offered.  Whenever I have recommended critical illness cover to a smoker and told them that their premiums will drop once they give up smoking, they always decline cover saying that they will arrange cover once they have given up.  To the smoker they feel penalized in that their premiums are so much higher.  To me, smokers are the ones who need critical illness cover most.  What is printed on the sides of cigarette packets is fact, not fiction.  It damages your health and can kill you.  Logic would say that if you wanted critical illness cover but found that it would cost far more because of a habit, you would give that habit up so that the critical illness  cover was cheaper.  Unfortunately most people do not follow this logic,  decline cover and carry on smoking.  To this date I have never had a smoker come back to me and ask for cover.

If you do give up smoking, most life insurance companies will lower your monthly premiums.  This usually after you have not smoked for 12  months.