Ash Wednesday

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Home Page > Spirituality > Religion > Ash Wednesday

Ash Wednesday

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Posted: Feb 16, 2010 |Comments: 0
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ash wednesday : For the Western Christian calendar, Ash Wednesday is the first day of Lent and occurs forty-six days (forty days not counting Sundays) before Easter. It is a moveable feast, falling on a different date each year because it is dependent on the date of Easter. It can occur as early as 4 February or as late as 10 March. Ash Wednesday gets its name from the practice of placing ashes on the foreheads of the faithful as a sign of repentance. The ashes used are gathered after the Palm Crosses from the previous year’s Palm Sunday are burned. In the liturgical practice of some churches, the ashes are mixed with the Oil of the Catechumens[1] (one of the sacred oils used to anoint those about to be baptized), though some churches use ordinary oil. This paste is used by the minister who presides at the service to make the sign of the cross, first upon his or her own forehead and then on those of congregants. The minister recites the words: “Remember (O man) that you are dust, and to dust you shall return”, or “Repent, and believe the Gospel.” Contents [hide] 1 Ritual 2 Biblical significance 3 Dates 4 Denominations observing Ash Wednesday 5 National No Smoking Day 6 See also 7 References 8 External links [edit]Ritual At Masses and services of worship on this day, ashes are imposed on the foreheads of the faithful (or on the tonsure spots, in the case of some clergy). The priest, minister, or in some cases officiating layperson, marks the forehead of each participant with black ashes in the shape of a cross, which the worshipper traditionally retains until it wears off.

The act echoes the ancient Near Eastern tradition of throwing ashes over one’s head to signify repentance before God (as related in the Bible). The priest or minister says one of the following when applying the ashes: Remember, O man, that you are dust, and unto dust you shall return. —Genesis 3:19 Turn away from sin and be faithful to the Gospel. —Mark 1:15 Repent, and hear the good news. —Mark 1:15 “Ash Wednesday” by Carl Spitzweg: the end of Carnival. The ashes used in the service of worship or Mass are sacramentals, not a sacrament. The ashes are blessed according to various rites proper to each liturgical tradition, sometimes involving the use of Holy Water. In some churches they are mixed with light amounts of water[2] or olive oil[3][4], which serve as a fixative. In most liturgies for Ash Wednesday, the Penitential psalms are read; Psalm 51 (LXX Psalm 50) is especially associated with this day.[5] The service also often includes a corporate confession rite. In some of the free church liturgical traditions, other practices are sometimes added or substituted, as other ways of symbolizing the confession and penitence of the day. For example, in one common variation, small cards are distributed to the congregation on which people are invited to write a sin they wish to confess. These small cards are brought forth to the altar table where they are burned.[6] In the Roman Catholic Church, ashes, being sacramentals, may be given to anyone who wishes to receive them,[7][8] as opposed to Catholic sacraments, which are generally reserved for church members, except in cases of grave necessity.[9][10] Similarly, in most other Christian denominations ashes may be received by all who profess the Christian faith and are baptized.[11] In the Roman Catholic Church, Ash Wednesday is observed by fasting, abstinence from meat, and repentance—a day of contemplating one’s transgressions. The Anglican Book of Common Prayer also designates Ash Wednesday as a day of fasting. In the medieval period, Ash Wednesday was the required annual day of penitential confession occurring after fasting and the remittance of the tithe so difficult to pay. In other Christian denominations these practices are optional, with the main focus being on repentance. On Ash Wednesday and Good Friday, Roman Catholics between the ages of 18 and 59 are permitted to consume only one full meal, which may be supplemented by two smaller meals, which together should not equal the full meal. Some Roman Catholics will go beyond the minimum obligations demanded by the Church and undertake a complete fast or a bread and water fast. Ash Wednesday and Good Friday are also days of abstinence from meat (for those Catholics age 14 and over), as are all Fridays in Lent. Some Roman Catholics continue fasting during the whole of Lent,[citation needed] as was the Church’s traditional requirement,[citation needed] concluding only after the celebration of the Easter Vigil. As the first day of Lent, Ash Wednesday comes the day after Shrove Tuesday or Mardi Gras (Fat Tuesday), the last day of the Carnival season.[12] Ash Wednesday in Australia is a solemn day as one of Australia’s deadliest bushfires coincidentally started burning on Ash Wednesday.

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Home Page > Internet > Affiliate Programs > DIY Public Relations

DIY Public Relations

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Ever felt aggrieved that other entrepreneurs make the headlines but you don’t? Louise Third, founder of Integra Communications, the enterprise PR specialists, says it’s not as tough as it looks; it just requires planning and the application of some basic rules.

Kevin and Dawn Hartley, the owners of Mozart’s Restaurant in Nottingham have tangible evidence that a planned use of PR can significantly improve sales. The couple, who opened the 40-seat restaurant in November 2002, decided to take every opportunity to contact their local press and radio with ‘news’ and comment. Their opening was marked on Radio Trent FM with champagne and canapés and was followed a month later by a 2 hour Christmas Show broadcast live from the restaurant. BBC Radio Nottingham carried a Valentine’s recipe on the website and 50,000 listeners enjoyed a live cooking session in association with the Nottingham Restaurant Awards.

“Our biggest media coverage success came on National No-Smoking Day in 2004 when we took the decision to announce that Mozart’s had become Nottingham’s first totally non-smoking restaurant,” says Head Chef Kevin. “Not only did BBC Radio Nottingham interview us then, but when the government White Paper on smoking was published last November, we were bombarded with requests for interviews.” Kevin and Dawn found themselves on several local radio stations, and in front of regional TV cameras. Although the media requests were quite demanding, the couple made themselves available for interview, thus helping the journalists complete their work and gaining a profile for the restaurant. As a direct result of their PR efforts, the Hartleys have enjoyed a 15% rise in trade.

Inside every small business is a story bursting to get out. Start with that positive attitude and you will get thinking creatively about possible media coverage. A clever use of public relations will help people to understand what you offer, will gradually build your reputation and keep you at the forefront of people’s minds – ahead of the competition!

Basic rules

The fact that Kevin and Dawn planned a media campaign as part of their overall sales strategy brings us to the first rule of sound public relations:

1. Use PR as an integral part of your marketing plan: once you have decided the level of sales you need to breakeven and then to make a profit, identify those who need to know about you and what you offer. If you have opened a new shop, customers may be very local but if you specialise they may travel from much further away. Perhaps you coach senior executives to cope in stressful conditions: then your potential clients may be the UK’s FTSE 100 companies or large public corporations. You may decide to use a combination of direct mail, networking so you get referrals/recommendations and publicity.

2. Identify what your target customers read, watch and listen to. This is likely to be a mixture of local, regional and national papers, trade or professional magazines, local and national radio stations and TV, not to mention all the ‘New Media’ options. If it is practical, ask them; if you are visiting their premises, what publications can you see in reception? Make a list, find the name of the most relevant editor or feature writer and call them to see how they would like to receive your news. The fax machine used to be widely used to issue press releases; this was then overtaken by email, but ironically many PR firms are reverting to fax; it can’t be erased or ignored and is still cheaper than post. Then there’s the direct call to the journalist or news desk…….if you have a very strong story. However, be realistic. Don’t set your sights on regular television coverage, but equally don’t rule it out (at least regionally).

3. Find the ‘news’. Be ruthless and think like a journalist, otherwise your release will get tossed in the bin. The journalist will be looking for things their readers will find interesting, amusing or useful. Here are a few ideas, but there are as many permutations as there are businesses:

· a significant new contract

· launch of a survey / report

· a new appointment

· sponsorship of a local charity / event

· welcome or condemn new policy/proposals

· claim first/last/biggest/latest (but avoid best!)

· launch a campaign / involve a celebrity

· letters to the Editor

During Breast Cancer Awareness Month, I helped a client, Linda Russell, to launch a new shop in north-Nottinghamshire. Not that newsworthy you may think, but this was no ordinary shop and Linda is no ordinary lady. Having recovered from breast cancer and reconstructive surgery at the age of 31, Linda launched ‘Perfect Fit’, an online service selling the latest designs and styles of lingerie for women with post-operative needs. The shop would allow Linda to display her stock, provide a professional fitting service and offer a sanctuary for women to meet and talk. We issued a pre-opening media release with the headline, ‘Linda’s Perfect Fit helps Breast Cancer ‘blues” and linked the launch to Breast Cancer Awareness month by including a quote and useful statistics from the regional Cancer Research UK representative. This small campaign had all the necessary ‘hooks’ for media coverage and gave the journalists what they needed. As a result Linda received full page and editorial coverage in the main regional press, feature and interview slots on local radio and a phone-in on BBC Radio Nottingham. Timing, planning and sensitive delivery was all it took.

4. Write the media release. Although you want to encourage the journalists to use your story, this is not a sales pitch, so avoid gushing praise of yourself and your product. Here are some basic guidelines:

· Cover the facts in the first paragraph including who, what, why, when, where and how as clearly as you can.

· The second paragraph should build on the first and carry any significant facts

· Include a quote; this adds personality and endorsement to the story

· Use Notes at the end to carry background information which reporters can use for research. Remember to include a contact name and number.

· Choose a simple, attention-grabbing headline which re-enforces the overall message

· Type MEDIA RELEASE at the top, date it and indicate when the information can be published.

· Use A4 paper, 1.5 line-spacing, wide margins and type

· ENDS to indicate you have finished.

· Limit your release to one page if possible, two at the most. Short, informative and interesting goes down well with busy reporters.

· A well constructed, high resolution (300 dpi) photo can turn a mediocre story into the one that gets coverage.

· Proof-read the release before it goes out. Then get someone else to do it again. It’s amazzing what you can misss……

5. The follow-up. So far so good, but now comes the tricky bit: you need to check that the right person has got your release and if so, talk to them about the chances of it being used. Always assume the journalist or editor is busy and ask if they are free to talk. Be prepared as they may have additional questions and may need convincing of the strength of your story. Don’t say anything you wouldn’t want reported if it sounds as though they are interviewing you. Radio stations will either pre-record an interview in person or over the phone, or ask you into the studio, again to pre-record or go live. Check that you know exactly what to expect; it is not unreasonable to ask what the questions might be.

Kevin Hartley of Mozart’s Restaurant has learned a great deal from the experience and has no doubt that working with the media is good for business. “You need to make yourself media-friendly; that means being very flexible so they can meet their deadlines. You need to build a list of contacts at the local radio, press and TV offices and be bold enough to pick up the phone when you have some news. We now seem to be in their database, so journalists wanting a restaurateur to comment on something seem to ring me.” It just goes to show how even the smallest business can make headlines .

Finally, as media relations is a commercial activity you should try to measure the effect any exposure has had. It can be as simple as monitoring phones calls and website hits in the period immediately following the coverage. If you convert these into sales, all the better. If people are more aware of you, introductions become that much easier. Stick at it and you will be amazed how a little effort can go along way.

Mozart’s Restaurant: www.mozarts.co.uk

Perfect Fit: www.perfectfit-online.co.uk

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Louise Third is a Partner in Integra Communications http://www.integracommunications.co.uk Alongside the agency, Louise provides a coaching service, giving PR guidance to smaller businesses who might not be able to afford an agency but are prepared to do the legwork themselves.

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Home Page > Finance > Insurance > Life Insurance Rocketing Up for Smokers

Life Insurance Rocketing Up for Smokers

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Posted: May 22, 2008 |Comments: 0

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Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

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Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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I have a policy already through liberty life insurance how do i look it up on the internet
What other type of insurance i can sell with my life insurance license?
I am wondering if i can purchase life insurance on my husband incase of death to cover cost of bills for myself and children

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No Smoking Day – 11th March 2009 Patches, gum, microtabs, lozenges, inhalers, nasal sprays and even hypnosis. There are loads of ways to help you quit smoking – but do any of them really work any better than old fashioned cold turkey? It’s national No Smoking Day again, a day when a quarter of the UK population – that’s 12 million smokers – are encouraged to kick their habit. In fact, every year more than a million people quit smoking on No Smoking Day. The campaign will also highlight the benefits of stopping smoking and how to get help. Community pharmacist and Royal Pharmaceutical Spokesperson – Lindsey Gilpin will be giving advice to the millions of smokers who want to quit, explaining some of the quitting aids available to help, and revealing why smoking is such a hard habit to break. For more information or to book an interview contact annette.harada@tvcgroup.com or call 0207 535 5800 Distributed by Tubemogul.

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Home Page > Finance > Insurance > Life Insurance Rocketing Up for Smokers

Life Insurance Rocketing Up for Smokers

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Life Insurance Rocketing Up for Smokers

By: Mark Skinner

About the Author

Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

(ArticlesBase SC #422301)

Article Source: http://www.articlesbase.com/ – Life Insurance Rocketing Up for Smokers

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Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

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Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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Home Page > Finance > Insurance > Life Insurance Rocketing Up for Smokers

Life Insurance Rocketing Up for Smokers

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Life Insurance Rocketing Up for Smokers

By: Mark Skinner

About the Author

Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Retrieved from “http://www.articlesbase.com/insurance-articles/life-insurance-rocketing-up-for-smokers-422301.html”

(ArticlesBase SC #422301)

Mark Skinner –
About the Author:

Mark is an author of several articles pertaining to Life Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.

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Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

No Smoking Day – 11th March 2009 Patches, gum, microtabs, lozenges, inhalers, nasal sprays and even hypnosis. There are loads of ways to help you quit smoking – but do any of them really work any better than old fashioned cold turkey? It’s national No Smoking Day again, a day when a quarter of the UK population – that’s 12 million smokers – are encouraged to kick their habit. In fact, every year more than a million people quit smoking on No Smoking Day. The campaign will also highlight the benefits of stopping smoking and how to get help. Community pharmacist and Royal Pharmaceutical Spokesperson – Lindsey Gilpin will be giving advice to the millions of smokers who want to quit, explaining some of the quitting aids available to help, and revealing why smoking is such a hard habit to break. For more information or to book an interview contact annette.harada@tvcgroup.com or call 0207 535 5800 Distributed by Tubemogul.

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Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Find More National No Smoking Day Articles

Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Related National No Smoking Day Articles

Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’

Related National No Smoking Day Articles

Life Insurance Rocketing Up for Smokers

Smokers may be paying as much as £2,000 more in life insurance premiums than non-smokers, according to price comparison website moneysupermarket.com. Following on from last year’s public smoking ban this is another area in which smokers are being specifically targeted. Premiums for non-smokers have slowly fallen in the last few years whereas those for smokers have risen sharply, some estimates claim that smoking policy holders are paying up to 100% more than their non-smoking counterparts.

The same is true of critical illness cover, which pays out a lump sum in the event of the policy-holder contracting a serious illness or injury. Smokers are seen as much more of a risk to insurers as the number of medical conditions that they could develop is far greater than that of a non-smoker.

According to Michael Challiner, editor of Express Life Insurance, this dramatic disparity is due to the increased competition between lenders brought about by the advent of the Internet: ‘It is now so easy to reach a decision that a ‘price war’ has developed and some very competitive quotations are available. This competition has however had an inevitable effect in that insurance companies have had to tighten up their procedures or risk losing money on the narrower margins. So they have hit the obvious target – smokers.’

Moneysupermarket.com have estimated that a thirty five year old male smoker could save 44% on his premiums if he quit the habit, paying only £9.91 per month over a twenty five year period as opposed to the £17.68 he would currently be paying.

However, Louise Cuming, a spokesperson for the website, has warned that the financial benefits of giving up smoking could be some time coming. Because of the highly addictive nature of cigarettes telling your insurer that you haven’t had a fag for a couple of days will not be convincing enough for them to lower your premiums. Most insurers require their clients to prove that they have been a non-smoker for a whole year before agreeing to a reduction in premiums. When this reduction comes, however, it could be as much as 60%.

Combined with ever-escalating cigarette prices this news could be the incentive that many smokers need to quit the habit. There are also more policies springing up which encourage and reward positive lifestyle changes. PruProtect is the first to link the cost of premiums to advances in the holder’s health. Speaking on last month’s National No Smoking Day, Sammy Rubin, CEO, PruProtect, said: ‘National No Smoking Day is a time when smokers will be thinking about the true cost of their habit, financially and physically. At PruProtect we support both, and offer those wanting to quit not only a financial incentive by saving money on premiums, but encourage people to lead a healthier life style through our Vitality points scheme. To help those finding it tough to quit, we also offer heavily discounted entry to Alan Carr’s Easy Way smoking cessation courses.’