It’s no secret that smokers have a hard time getting health insurance. The cold, hard fact is, no insurer is going to give you a rock-bottom policy if you are willing damaging your body and putting your health at risk from cigarettes.

Anyone reading this who smokes has probably already been bombarded with reasons to kick the habit – even the packets tell you to give up. This doesn’t change the fact that smoking is a major cause of, among so many other things, lung cancer, heart disease, emphysema and blood clots. If you are vain, you’ll also be upset to hear that your habit also leads to unhealthy teeth, wrinkled skin and smelly hair.

At, we want you to get the best life insurance policy possible, which is why we are here to give you some of the best tips on giving up smoking. Your health insurance policy will be significantly better if you beat this disgusting and debilitating addiction. Here’s how:

Decide which method is best for you

Some people find it best to go cold turkey when it comes to giving up cigarettes; stopping means stopping, then and there, without any cut-down period. For some, though, white-knuckling a detox isn’t as effectual and leads to terrible withdrawal symptoms, such as insomnia.

Some people find the patch or an e-cigarette for a limited amount of time helps with the transition, while others don’t feel a benefit at all. Quitting altogether immediately could lead to you cracking and going back to cigarettes, so if you find cutting down over a period of a month or two is easier, this method will likely work better for you in the long run.

Identify when you need a cigarette the most

Identifying when your cravings are highest is a great way to work out when to cut out cigarettes, to begin with. Do you need one the most after dinner? First thing in the morning? While you are out drinking with your friends? (Did you know that smoking and drinking together makes it 38 times more likely you will get mouth cancer?)

Set a ‘quit date’

Whether you quit all at once or give up a few cigarettes each day until you’ve completely stopped, you should set yourself a quit date – the date by which you are determined to have cut out all smoke. Make your friends and family aware of this date, so they know to intervene if they catch you smoking beyond this point.

If you are cutting down gradually, it’s best to set this date a few weeks into the future so your body can prepare for when you stop smoking altogether. If you are planning on stopping all at once, you could set this date for the day after tomorrow, depending on how much time you think you will need to prepare.

Nicotine Replacement Therapy

While not necessary for everyone, nicotine replacement therapy has been proven to be a great way to ease the transition of giving up smoking. Nicotine patches, lozenges and gum help to satisfy your cravings, without reaching for a packet of cigarettes.

Get outdoors

Exercise and fresh air are free and effective ways of staying in shape, improving your general health and giving your mind and body something to focus on other than smoking. Taking a vigorous walk each time you get the urge to have a cigarette will clear your head and keep you from sitting and dwelling on the craving.

Giving up smoking and taking steps towards getting into shape will also be beneficial when you come to search for a good health insurance policy.

This should not be construed as advice and is for guidance only.