How To Save Money When You Quit Smoking

Written by Growth 360, LLC

Every year, there are millions of people who vow to quit smoking. In fact, 76% of people want to quit smoking.

But the problem is, most people don’t quit. Those who finally quit smoking say it took them dozens of times trying to quit before they kicked the habit.

One motivation for quitting smoking is money.

It’s shocking to see how much smoking costs you every year. If you’re trying to quit smoking, but you haven’t been able to kick the habit, maybe you need a little extra kick to help you finally get over the hump and kick those cigarettes to the curb.

In this post, we are going to look at the true cost of smoking and how much it’s taking out of your pocket every year.

At, it’s our mission to ensure you have all of the information and resources you need to get the life insurance you and your family deserve.

Quit Smoking, Save On Life Insurance

The obvious way smoking is costing you is in the grocery store, or at the gas station.

When you go to buy a pack of cigarettes, you’re going to be shoveling out at least $15 every time.

Let’s say you’re going through a pack a day (some people smoke much more), then you’re going to be spending at least $450 a month! That’s $450 you could be saving, investing, or spending towards a vacation.

Throughout the year, your pack-a-day habit is going to cost you $5,400. Just imagine what else you could be doing with all of this money every year. how much does smoking cost

But smoking is not only going to cost you at the gas station or grocery store, but it also reaches much further.

Smoking is also going to cause your health insurance to go through the roof. You know smoking is bad for your health, but it means you’ll pay more for your health insurance.

Anyone who smokes is going to pay around 20% more for health insurance compared to what you would pay if you didn’t smoke. That’s going to translate to around $600 every year.

Not only will those cigarettes cost you more for your health insurance, but they also raise your chances of having to spend time at the doctor’s office or in the hospital.

The toxins in cigarettes can weaken your immune system and make you more likely to get sick. Smokers are more likely to catch a cold or the flu, which means you could spend more time waiting at the doctor’s office. Those hospital visits are going to translate into some expensive doctor’s bills and medical costs, too.

Smoking will not only raise your health insurance rates but your life insurance premiums as well.

If you’re a smoker, you have a shorter life expectancy, which means you pose a greater risk to the insurance company. They are going to offset this risk by charging you higher premiums.

In fact, smokers are going to pay twice as much for their insurance protection versus what non-smokers are going to pay for the same sized plan.

With some companies, smokers are going to pay as much as three times more. Quitting smoking can save you thousands of dollars every year on your life insurance premiums.

Already Quit? Here’s Your Next Step!

If you’ve just quit smoking, then you don’t qualify for non-smoker’s rates yet. You have to be smoke-free for at least 12 months before you can get non-smoker’s rates.

The insurance company wants to see you’ve finally quit for good. If you’ve kicked the cigarettes for at least one year, then you will get drastically lower life insurance premiums. quit smoking life insurance

If you’ve finally quit, then you should either request your life insurance company retake the medical exam, which will show no nicotine, or you should purchase a new life insurance policy.

Getting a new plan is only going to take a little time, but it will save you thousands of dollars every year.

Luckily, if you’ve quit smoking, but it hasn’t been a year yet, there are some things you can do.

Some insurance companies are more understanding about smokers whohave kick the habit. Some companies have rating categories like, “tobacco user preferred,” which is going to give you better rates, even though you’re still considered a tobacco user.

On a similar note, if you’re using nicotine patches or nicotine gum, then it’s important you find a company who is going to give you better rates, even though you’re going to have traces of nicotine.

There are even a few companies who will give you incentives for quitting smoking.

John Hancock Life Insurance company will allow you to get non-smokers rates with their Quit Smoking Incentive, which you can get with their variable universal life insurance plan. This will let you get non-smokers rates for three years, but you have to quit smoking within the first two years of the plan.

After you’ve quit smoking for 12 months, then they will require you take a nicotine test, and as long as it comes back clean, you’ll keep the non-smokers rates. If the test shows traces of nicotine, then you’re going to get the smoker’s rates.

If you simply switched to e-cigarettes, there’s a chance you can get non-smoker rates, but you still need to have used the e-cigarettes for a fully year.

Techniques to Help You Stop, Forever

Every year thousands of Americans try and quit smoking, but very few of those people are successful.

Thankfully, there are several ways that you can increase your chances of quitting smoking. Eliminating the cigarettes once and for all is going to have dozens of different benefits.

Once you quit smoking, you’ll notice your overall health is drastically different. You’ll be able to breathe easier, your resting heart rate will go down, you’ll be able to taste foods better, and much more. On top of all this, you’ll also get much lower insurance rates for your life insurance plan.

Increase Your Chances

Every year there are millions of people who decide they want to quit smoking.

It’s one of the most common New Year’s Resolutions (right up there with “lose weight”), but it’s also one of the most commonly broken New Year’s resolutions. Quitting cigarettes is a hard task to overcome.

If it were easy, there would be a lot fewer smokers in the world.

In fact, a study by the U.S. Centers for Disease Control and Prevention found that around 70% of smokers want to kick their habit.

If so many of them want to quit, but there are still so many smokers, it shows it’s tough to quit the bad habit. Thankfully, there are a few things that you can do to increase your chances of quitting. It’s important  you give yourself the best chances to finally kick those cigarettes to the curb once and for all.

Define Your “Why”

Before you try and quit smoking, it’s important you have a clear understanding of why you want to stop.

Take the time to list your reasons for quitting and how it’s going to improve your life. If you’re quitting cigarettes to improve your health, then write down the ways it’s going to improve your overall health.

If you want to save money by quitting, doing the calculations of how much money is it’s going to save you.

Make it a clear and defined number. If you don’t know the exact reason of why you’re quitting, then it’s going to make it harder to stop. Once you’ve defined your why, write it down on a sticky note and put it somewhere that you’ll see. increase your chances of quitting smoking

Set a Date

After you know why you’re quitting, you need to decide when you’re going to quit.

With smoking, it’s easy to put it off until next month, or until next year. If you want to increase your chances of finally quitting, then set a solid date of when you want to be smoke-free.

When you’re picking a date, give yourself enough time, and avoid any days  you know are going to be stressful. If you have a big event coming up, don’t pick that particular day.

By picking a day to kick the habit, you’re going to drastically improve your chances of quitting. If not, you’ll keep putting it off until tomorrow.

Get A ‘Quit Buddy’

When you’re quitting smoking, accountability is key.

You need someone to go on this journey with you and make sure you don’t slip up and end up where you started. If you know someone else that’s when wanting to kick cigarettes, invite them to quit with you.

Having someone who is trying to accomplish the same goal and can encourage you is going to give you a much higher chance of finally accomplishing your goal.

Even if you don’t know anyone who is trying to quit, you can find a friend who is trying to achieve another goal. Maybe you have a friend who’s trying to eat healthier or learn a new language.

The goal isn’t important, having that support system is what matters. If you can’t find anyone, countless online communities were designed for this very reason.

Now, Hit The Gym!

Lacing up those running shoes is not only an excellent way to improve your cardiovascular health, but it can also help you quit smoking.

Studies have shown participating in even minor exercise can help you curb those cravings for a cigarette and help you stop. One study showed withdrawal symptoms decreased during exercise for up to 50 minutes after.

Avoid Your Triggers

When you’re trying to quit smoking, it’s important you avoid any triggers or activities which make you want to smoke.

Some people like to smoke when they’re hanging out with their friends and having some drinks, but if you want to quit, it’s important you not do those activities anymore.

If being stuck in traffic makes you want to light up a cigarette, find a way to avoid the traffic. Leave earlier or find an alternate route to work. Making simple changes could help you finally kick your bad habit once and for all.

Other Ways To Quit Smoking

life insurance for smokersBefore you start your journey to quit smoking, there are several things you should know.

If you want to quit smoking, it’s important you give yourself the best chances possible, and the first thing you should know is don’t go in without a plan.

One simple way to help you quit smoking is to have a family member help you out. If you have an accountability partner, it can double your chances of quitting smoking.

Having a person there to encourage you and remind you of your goal is one of the simplest ways to cut your bad habits. Make sure you regularly check-in with your partner to give them updates on your progress and see how they are doing.

And give them permission to ask you, and let them know you won’t get mad at them for doing so!

Another way to help you kick the cigarettes to the curb is to use nicotine-replacement therapy.

Studies have shown quitting cold turkey is much less effective than other techniques. Using gum or patches is a great way to ease off the nicotine and help prevent your body from craving those cigarettes, and they are much easier to wean yourself off of than traditional cigarettes.

One of the significant disadvantages to both gum and patches is that they are going to be expensive.

You could also look into some of the prescription medications which will help ease the nicotine withdrawal symptoms, like depression and irritability.

In fact, some drugs can make cigarettes less satisfying. If you want more information on using prescription medications to quit smoking, you should schedule an appointment with your primary physician. Your doctor can help you decide which technique is going to give you the best chances of quitting smoking once and for all.

Avoid any trigger makes you want to light up a cigarette. If you tend to smoke when you drink alcohol, you should avoid alcohol for the first couple weeks after you decide to quit smoking.

Exercising can also drastically increase your chances of quitting once and for all. Being active can drastically improve your overall health and your chances of quitting. It can take your mind off of the cigarettes and distract you from any of the cravings you’re experiencing. It’s time to lace up your running shoes to kick the bad habit.

What Works Best, The Patch, or Gum?

Quitting smoking is one of the most common resolutions Americans make during the New Year, but it’s also one of the most common brokers. If quitting smoking were easy, there would be a lot fewer smokers in the world.

Thankfully, there are some ways you can increase your chances of kicking the bad habit once and for all.

One of the most popular ways people increase their chances of quitting smoking is to use aids like nicotine patches or nicotine gums.

We know quitting smoking can be difficult, but we want you to have the information that you need to quit once and for all. should I use gum or patches to quit smoking

A Quick Overview Of Each

Before we get into the specifics of which one is better, let’s take a broad view of each of them. Both the gum and the patches are nicotine replacement therapy.

There are several different types of replacement therapy, but gum and patches are the two most popular options, and those are the ones that we are going to focus on today.

There have been plenty of studies which have shown the effectiveness of these replacement therapies and how the increase the chances of quitting. Most studies have shown using one of these aids is going to at least double the chances of kicking the bad habit once and for all.

Another important note before we start looking at the advantages of each technique separately is both of them have proven to be effective at about the same rate.

There is no significant difference in how well either of them works. In fact, just about every replacement therapy technique is going to have the same level of effectiveness.

Nicotine Patches: Advantages (and Disadvantages)

One of the biggest benefits of nicotine patches is you can find them in just about any level of dosage you can cater to your needs.

Every smoker is different, and everyone is going to have different needs when it comes to quitting smoking, and that’s one of the best parts of nicotine patches. You can find them in different sizes and strengths, and as you continue your journey to quitting, you can find a different patch whcih works well for you.

Another advantage of the patches is how easy it is to use.

Once you put on patch on in the morning, you won’t have to pay much attention to it throughout the rest of the day. You can set it and forget it. Unlike some of the other techniques, once you place it on your arm, you won’t have to spare it another thought until it’s time to put on a new one.

One of the drawbacks of the nicotine patches is it can be difficult to come off of the patches.

Some users have found they are addicted to the patches after they’ve quit the cigarettes. Yes, the patches are much better than smoking cigarettes, but you might still be addicted to the nicotine that it’s in the patch.

Nicotine Gum: The Good, Bad, and Ugly

With nicotine gum, you can pick up a pack at just about any gas station or grocery store. Unlike some of the other replacement therapy options, you can buy nicotine gum just about anywhere, which makes it very convenient if you run out and you have a craving.

Another advantage is the price of the gum. Using the nicotine gum is going to be one of the most affordable options. The gum is going to be the cheapest way you can use an aid to quit your smoking.

There are several disadvantages to the gum as well.

The most notable are there can be some serious side effects to the gum as well. If you swallow the gum, you can end up with an upset stomach, nausea, dizziness, or much more.

While, most of the side effects are minimal, but they can be very annoying.

How Long Will It Take For The Cravings To End?!

Quitting smoking is one of the most common New Year’s resolutions, but it’s also one of the most commonly broken resolutions people make. There are millions of people who want to kick the bad habit once and for all.

Not only will quitting smoking have an incredible impact on your health, but it can also save you thousands of dollars on your life insurance policy. Quitting smoking can be a long and frustrating process, but we promise, it will be worth it in the end.

The Cravings Will Stop, Right?!

how long does it take to stop craving cigarettesThe good news is, you’ll see improvements to your health very quickly.

In fact, your blood pressure and heart rate will go down within a few hours. You will see in your carbon monoxide levels within 12 hours, and after a couple of weeks, you’ll notice you aren’t coughing as much.

Along with those health benefits, you’ll also notice several non-pleasant symptoms as well, such as craving a cigarette.

You’ll also notice you’re more irritable, tired, hungrier, and more anxious. Luckily, those cravings aren’t going to last forever. You’ll start to notice the cravings pretty quickly, but they will probably hit the peak at three days, and they are going to last for two weeks.

Once you’ve made it past the first two weeks after you’ve quit smoking. If you can reach this point, the chances of successfully quitting skyrockets.

You’ll continue to see several health benefits.

Stopping smoking is a huge accomplishment. Make sure you reward yourself when you’ve finally kicked it to the curb.

You deserve it.

About Growth 360, LLC
About Growth 360, LLC

We work with individuals across the nation to secure the best life insurance rates.

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