SMOKING

costs you more than your health and €12 per pack of cigarettes. Smokers also pay dearly for life cover as the chances of dying young are so much greater.

A smoker turning 45 on their next birthday will pay over €16,500 more for Life Cover, over 25 years, than a non-smoker.

The same smoker would pay over €63,500 more for serious illness cover, says a survey by Royal London.