Were not being insensitive, honestly! Were talking about your last gasp of smoke have you given up smoking recently?

Did you know that smokers paying up to 60% more for their life insurance cover compared to non-smokers. So, besides the health dividend and the money saved on cigarettes, insurance companies will chip in with lower life insurance premiums. And the insurance savings arent to be sneezed at! A typical policyholder could save at least ?10 or more per month.

With most insurance companies, you qualify for non-smoker premium rates if you havent smoked or otherwise used nicotine products, within the last five years. Now five years is a long time to wait for the extra spending money if youve only recently given up smoking. However, people in the know have pointed out a way to speed things up.

They point out that some insurers have adopted a more relaxed definition of a non-smoker. Some insurers have shortened the 5 year smoke free period to just twelve months. So if you havent smoked for a year, find out how much you can save by moving your life insurance to one of these insurers. But be careful. You must never cancel your existing policy until youve received written acceptance from the new insurer.

How do find the right insurer?

First go onto Internet because thats the best way to find cheap insurance. Then search for a life insurance broker that fulfils three criteria:

The broker must search the whole insurance market for the lowest price this means that they will find the cheapest insurance company for you.

The broker must be prepared to discount the prices they achieve this by rebating some of their commission back into your policy. That ensures you get a really cheap quote.

Theyll phone you with the quote and provide further help this is essential as the chances are that the price they will initially phone you with, will be from an insurer using the a five-year smoking definition. You have to tell them that you need the cheapest quote from a company using the twelve-month smoking definition . That means theyll have to call you back after doing some digging.

If you use a web site that provides an immediate on-screen quote, you wont know whether the quote provided comes from an insurance company that uses the 5-year or 12-month smoker definition. Online systems never tell you. Thats why you need to be able to speak to a life insurance adviser on the phone so you can explain what you need. Of course, to be able to be able to make a direct comparison with your existing policy you need to get a quote on an identical policy that terminates in the same year as your existing policy.

Once youve got the right quote, youll be able to see much youre likely to save. So if the price looks right, make a full application.

One of the main aspects that will affect your premium is your age. Therefore, if your existing policy was bought some years ago, the savings could be less than the 60% we have indicated. However, life insurance is one of those things thats become cheaper over recent years so until you get the figures in front of you, the savings are hard to predict. Youll just have to get a quotation and find out! As all the brokers we know are only too pleased to provide free quotations without any obligation, youve nothing to lose and possibly lots to gain.

After finding a cheap quotation from an insurer with the 12-month smoker definition, youll have to complete a full application form. Be sure to read every question carefully and answer all the questions fully and honestly. Far too many people try to ensure they qualify for a low premium by being economical with the truth. Dont be tempted. If there is a claim, the insurer will recheck the information you provide, even if its many years later.

Over the last few years insurance companies have become more choosey about whom they accept on standard insurance terms thats the first price you were quoted. The companys selection rules about health and weight have become far tougher resulting in more clients having their premium loaded. Thats why you must not cancel your existing life policy until youve got a final acceptance notice at a price that gives you the savings youre looking for.

Whilst the process to switch a policy may sound a little daunting, it isnt really too bad. Just think of the money youll save! Just reward for the stress of giving up smoking.

Best of luck.

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Carrying car insurance is a crucial decision for anyone on the roads today. With so many drivers on cell phones, eating fast food and even watching TV while at the wheel, it isnt unusual to find yourself in a fender bender or serious wreck. Having car insurance can make such an ordeal a lot less stressful for you and your family.

Car insurance, in plain English, protects you and your family financially if you ever have an accident in your car. You have a contractual agreement with your car insurance company. If you pay the premium you agree to in a timely manner, the car insurance company will cover your losses in the event of an accident.

Car insurance is typically made up of these three specific types of coverage: property coverage, liability coverage and medical coverage.

1. Any damage which occurs to your car in an accident will be covered by property coverage. Property coverage will also be used if your car is stolen.

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Most states require that you carry car insurance in order to drive a vehicle of any type. At the time you received your drivers license and when you renew your license plate for your car, showing proof of car insurance is a common practice. There are rare instances when car insurance is not required. However, in those rare instances, it is the law that you must be able to pay for any losses to others you might cause in an accident!

If there is ever a time you dont carry car insurance, you will be taking a big risk. If an accident should occur, and you are determined to be at fault, you could find yourself responsible for the full cost of replacing your car, paying any medical bills, and any expenses that add up if you happen to cause harm or damage to someone else, their car or their property!

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