
A 45-year-old male smoker can save £276 on his annual life insurance premiums, and £1,000 per year on tobacco spending, by quitting cigarettes. The savings on tobacco will more than pay for the life insurance cover, according to Aviva.

If you are one of the13% of people in the UK who have taken out critical illness cover to protect themselves against losing their income through ill-health, you are probably aware that critical illness insurance offers identical cover for your children – free of charge.
Aviva is offering customers the option to cut the cost of their health insurance by limiting the amount of cover their health policy provides. If you will pay the first £5,000 of your costs you can gain a discount of up to 65%. Agree to pay the first £3,000 of your own costs, and have a discount of up to 50%.