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Twelve months after you quit smoking, your risk of dying from heart disease is half that of a continuing smoker. After ten years of stopping smoking your risk of lung cancer is less than half that of a continuing smoker and continues to decline (provided the disease is not already present)1.
Some interesting statistics:
Source: www.cancercouncil.com.au
The important ‘fine print’ – as defined by insurance underwriters.
A ‘non-smoker’ is defined as a person who has not smoked tobacco or any other substance, or uses a product containing nicotine, for at least 12 months prior to application. An applicant who smokes fewer than three cigars per year is classified as a non-smoker for the purposes of the definition. If the life insured smokes socially or smokes one cigarette per week, a smoker rate will apply.
Where the insured has indicated that they are a non-smoker, a further test may be required to confirm non-smoker status and to confirm that the reason for cessation of smoking was not due to deterioration in heath or a diagnosed medical relation condition.
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