If you gave up smoking at least a year ago, this article will help you save lots of money on your life insurance. Essential reading.

Life Insurance Take a last gasp and count the savings!

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

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 ( cheap car insurance ) 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.

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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:

1. The broker must search the whole insurance market for the lowest ( car insurance ) price - this means that they will find the cheapest insurance company for you.
2. 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.
3. Theyll phone you with the quote and provide further help - this is essential ( cheap loans ) 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. (pet insurance)

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