However, many of us will not have properly considered the long-term consequence of this, such as the negative health issues or critical illnesses that are linked to the habit, including those related to addiction, breathing difficulties and cancers.
When it comes to sorting life insurance cover, the cost depends on a few things:
- Your age
- Whether you smoke
- Your general health and lifestyle
- How much cover you want
- How long you want to be covered for
Basically, the more likely you are to make a claim on your life insurance policy, the more expensive your premiums will be, just like any other type of insurance. The younger and healthier you are, the more affordable life insurance will be for you, and smoking is a key factor that comes into consideration for this.
For the following article, we collaborated with Leena Sankla, Director of Public Health at Solutions 4 Health, to discuss the impact of lockdown on the nation’s smoking habits, the health implications of smoking, as well as sharing expert advice on how to quit and what the long-term benefits of doing so are. Read on to find out more.
The health implications of smoking
Leena commented that “in the context of COVID-19, smoking is known to be a risk factor for acute respiratory infections. The World Health Organization, the UK Chief Medical Officer, reports from the New England Journal and a more recent one in China have claimed that those who smoke are 14 times more likely to develop severe symptoms of coronavirus.
“In addition, the repetitive hand to mouth movement provides an easy route of entry for the virus, putting smokers at greater risk of contracting COVID-19. In light of this unprecedented COVID-19 pandemic, there has never been a more important time to stop smoking. It will also help alleviate the huge pressures on the NHS. It is never too late to quit, no matter your age”.
How to quit smoking during lockdown
Leena gives her actionable tips on how to quit smoking in lockdown:
Benefits of giving up smoking
The benefits of giving up smoking include:
After 24 hours– heart rate and blood pressure will drop
- After one week – your breathing will feel better
- After 2 weeks to 3 months – your circulation improves, and your lung function increases
- After 1 year – coughing and shortness of breath decrease. Tiny hair-like structures that move mucus out of the lungs (called cilia) start to regain normal function in your lungs, increasing their ability to handle mucus, clean the lungs, and reduce the risk of infection
- After 5 years – your risk of cancers of the mouth, throat, oesophagus, and bladder is cut in half. Cervical cancer risk falls to that of a non-smoker. Your stroke risk can fall to that of a non-smoker after 2 to 5 years
- After 10 years – the risk of heart problems is the same as someone who has never smoked
As well as the above, by quitting smoking there will also be less chance of severe symptoms if you get COVID-19, you could save up to £252 a month (based on if you smoked 20 cigarettes a day), and your application for life insurance cover will be more preferential.
At Cavendish Online, we offer various options to help you find the best insurance for you. You can apply for a policy online yourself, in just a few minutes. Alternatively, you can choose to speak with one of our specialists over the phone, who can guide you through the process and help you choose the best cover for you and your family.
For help with your new life insurance policy, call one of our consultants on 01392 241 850
Disclaimer: The tips in this article are not intended as a substitute for medical advice and should not replace the relationship that exists between a patient and their existing healthcare provider. Cavendish Online are not liable or responsible for the accuracy of the advice provided by third party experts, nor for the content or operation of any third party websites, webpages, or resources which have been linked to within this article.