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On this year's No Smoking Day, Royal London states that mon-smokers could be eligible for lower rate premiums if they have not smoked tobacco, or used any nicotine replacement products including e-cigarettes, for 12 months.

According to the insurer, a smoker aged 50 would pay nearly triple every month what a non-smoker of the same age would have to pay for the same sum assured, £29.13 compared to £82.48, base on level single life cover, over a 25-year term for £150,000 sum assured.