Many ex-smokers are paying too much for their premiums because they have not declared to their insurers that they have given up the habit. If you already have life insurance and you are an ex-smoker, look into your policy and see if you can save yourself some money.
When taking out life insurance as an ex smoker make sure you are completely honest on your initial application form about your smoking. Failure to disclose any important information could lead to a refusal to pay out on the policy if there is a claim.
It is worth checking the small print of any life insurance contract as there may be something that you have missed out.