Do you have life insurance in PA? If you smoke, you might find your premiums are more expensive. According to the U.S. Fire Administration, Pennsylvania is in the top ten states with the highest smoking rates. The cost of life insurance is just one of many reasons to stop being a part of this statistic.

Risks of Smoking

Smoking may be relaxing to you, but it causes irreversible damage to your body. Smoking has been linked to various types of cancers. It is also thought to increase the odds of developing heart and lung disease. In addition, according to the CDC, smoking is responsible for almost one in five deaths in America.

How to Quit

• Start today – delaying will not make this task any easier.
• Set reasonable goals. Quitting cold turkey may lead to disaster. Instead, consider slowly decreasing your cigarettes per day over time.
• Carefully weigh your options since there are various quitting aids available, such as gum and patches. Make sure you discuss your choices with your doctor to ensure you fully understand the side effects and other key details.

You should definitely consider beating your nicotineaddiction and the impact this could have on your life insurance in PA. While defeating your cravings is difficult, it is not impossible. With a little determination and a “grin and bear it” attitude, your life could be cigarette-free in time.