Life insurance premiums are surprisingly affordable for most people but if you want to reduce the cost of the premiums you need to make changes to live a healthier life.

If you are a smoker, quitting makes a massive difference.

Recent cost analysis from Royal London reveals the stark difference in premiums that can accumulate over the term of a policy for smokers.

A smoker turning 45 on their next birthday will pay over €16,600 more in premiums than their non-smoking counterpart for €300,000 worth of ‘level-term life cover’ over a 25-year term.

A smoker can expect to pay over €63,900 more than a non-smoker in a ‘specified serious illness’ policy for €300,000 over a 25-year term.

Regardless, you should invest in life insurance to secure your family’s financial future.

Message me today to find out the best value policy for your specific circumstances.