Non-smokers pay a lot less cash than smokers, simply because they're a lot less likely to die during the term. To count as a 'non-smoker' you need to have been genuinely smoke free for at least a year. Therefore one year after the date you quit, you should go throught this process to get a new deal and you should save enormously. Don't be tempted to lie though... if you were to die and it was discovered you had been a smoker it could invalidate the policy. See other saving in the Stop Smoking MoneySaving guide.
While some may be worried that ‘cheaper isn't better' actually, with term assurance, there's no investment element as the payout is fixed; and there's no argument over whether someone is dead so this is a truly simple policy. In fact, in most cases, (and do forgive the virtual shouting for necessary emphasis
