Table 3 - Comparison of life insurance costs between smokers and non smokers

03 December 2016
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Smokers pay in the region of 70% more than non smokers

Comparison of life insurance costs between smokers and non smokers for life insurance.

Based on a joint application, (1) age 30 and (2) age 29, for a life insurance of € 250,000

Term 25 years

Cost per month analysis

Company Name  Both smokers age 30/29 non smokers age 30/29  Difference over term
 Royal London 27 15  4,473
 Canada Life  Now Irish Life    
 Friends First  Now Aviva    
 Aviva 33 19 4,200
 Irish Life 37 21 4,800
 New Ireland 34 20 4,200
 Zurich 31 18 3,900


This analysis demonstrates the additional cost of life insurance as a result of smoking for a couple aged 30 and 29.

What happens when you give up smoking?

The benefits of giving-up in addition to saving on your life insurance!

The health benefits start right away when you give up smoking:

  • Within 20 minutes your circulation will improve, your heart rate and blood pressure will get lower. This reduces your risk of heart attack straight away.
  • Within 8 hours the carbon monoxide level in your blood will drop and the oxygen level will go up.
  • Within 24-48 hours all the carbon monoxide will have left your body.
  • Within a few days your sense of smell and taste will start to improve.
  • After 72 hours your breathing will improve and your energy levels will increase.
  • Within 2 or 3 months your lung capacity can increase by up to 30%.
  • Within 1 year your chance of heart attack drops by half and within 10 years the risk drops to almost the same as a non-smoker.
  • Within 5 years the risk of smoking related cancers will be greatly reduced.
  • Once you give up, your lungs start to fight back by coughing up tar. A mug full of tar builds up in the lungs of a 20 a day smoker over the period of a year. It is the toxic chemicals in tar that cause cancer.

These are just some benefits. No matter what age you give up smoking, you will:

  • look and feel better
  • have fresher breath and cleaner teeth, hair, skin and fingers
  • have more control of your life
  • be fitter and have more energy
  • reduce your risk of illness
  • reduce the complications of existing illnesses
  • have a better quality of life
  • be a good role model for your children or grandchildren
  • have more money
  • have a healthier family as they will not be exposed to your second-hand smoke

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