I was researching life insurance yesterday - I put in my details for a quote for Â£500,000 of life insurance and as a smoker the quote was Â£126.60 per month. However for the same details as a person who had smoked but had not smoked for 12 months (Insurance companies seem to use this timeline to define a non smoker) the same cover was available for Â£62.30 per month. I just wondered if any 1 year plus members had updated their policies after they reached the 12 months and had their premiums reduced ??
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