Smoking

[fourteen85]

It is now tweleve months since I gave up smoking, would I get a reduction in premiums if I notified life insurance companies of this as i think they loaded the policies when I took them out?

[murraymints]

no harm in asking..well done btw...

[fourteen85]

Thanks

[bushbaby_de]

It depends on their rules for how often the policy can be reviewed but they certainly do load the premiums. Well done!

[bushbaby_de]

the question on the application forms normally only ask if you've smoked in the last 12 months