If your new year's resolution to stop smoking has become a distant memory, today is No Smoking Day, which provides you with the perfect excuse to give it another go.
Recent research from the Office for National Statistics show nearly two-thirds of smokers in the UK would like to quit.
Giving up smoking not only improves your health, it can also give your finances a substantial boost. With a pack of 20 Marlborough Golds costing around £6.85, smokers who get through a pack a day stand to save around £2,500 over a year.
But the cost of cigarettes isn't the only saving reformed smokers can make. Life and health insurance is substantially cheaper for non-smokers and insurance companies will stop classifying you as a smoker 12 months after you quit and should reduce your premiums.
For more read: Will smoking affect your life insurance payout?
Non-smokers typically pay around 50% less for these types of policy. According to Lifesearch, a typical 30-year old male smoker could be paying around £1800 more over a 25-year policy compared to a non-smoker. A female smoker aged 40 meanwhile, would pay £27.35 a month with Aviva compared to £13.55 for a non-smoker with the same company.
This means it's worth contacting your insurer a year after you've stopped smoking and asking it to review your premium. Or, it's a good opportunity to speak to a financial adviser to get the cheapest possible deal.
It's not guaranteed you will be able to get a cheaper policy as other factors, including age and general health, could push costs up, but Matt Morris, senior policy adviser at LifeSearch, says there is a very good chance that the premium will fall.
But he advises: "It is important to make sure you have a new policy in place before cancelling the existing one, as a new policy could turn up some nasty surprises in underwriting and may even be declined if your health has changed."