Smoking. It’s not big. It’s not clever. And it most certainly doesn’t make you look cool, as the buffoon pictured conveniently illustrates.
It’s also ruinously expensive, and because of its various health-knackering side-effects, it adds a fair bit to the cost of your life insurance.
Indeed, according to research carried out by Gocompare.com, smokers will pay out nearly double for life insurance over a 25-year period compared to non-smokers.
Have a puff on this: on average, the cost of £200,000 level term life insurance over 25 years is £2,893 for a non-smoker, compared to £5,288 for a smoker.
Matt Sanders, life insurance expert at Gocompare.com said: “Insurers will consider a number of different risk factors when calculating life insurance premiums, including smoking or tobacco use.
“Generally, if you've used tobacco or nicotine replacement products in the last 12 months, and that includes e-cigarettes and vaping, you'll be considered a smoker, and for some insurers smokers must have given up for five years before being classed as a non-smoker.
“Life insurance can be one of the most important investments you can make for your family’s future. While a 'cheap' policy may not really be what you want, there are ways to cut the cost of premiums without compromising the level of cover. One of the most beneficial ways - for you and for your family - is to help yourself to get healthy.”
It’s little wonder that smoking is in decline. According to the latest figures released by the Office of National Statistics earlier this year, 19% of adults in Britain smoked in 2014, down from 46% in 1974.
With the NHS Stoptober initiative currently in full swing, now’s a great time to hop on the smoking cessation bandwagon.