Tag: cheap

5 Limiting Beliefs That Thwart Stop Smoking Efforts

Posted by – October 19, 2014

EFT, short for Emotional Freedom Techniques, blasts through these beliefs and then you can simply choose to stop smoking without a craving or discomfort to be felt. Why? Because these 5 beliefs keep that smoking desire in place. All are from my clinical experience with EFT and successful stop-smoking sessions. Without further ado, here they are.

  1. “I must always be perfect”. This belief makes people so nervous, they need a cigarette to calm down.
  2. “I will get fat”. If you use EFT, the root causes why you may wish to smoke are the same why you may wish to overeat, and both are obliterated at the same time.
  3. “I will be irritable”. You smoke because smoking takes away the irritability. Not-smoking does not cause irritability but merely unmasks it.
  4. “I will become one of those horrible non-smokers who keep shouting at their smoker friends to go outside”. EFT does not change your personality. It merely takes away the desire to smoke and leaves you calm and composed.
  5. “I will become a different person”. I have yet to see it. What do you expect to happen, that you turn yellow, blue, green, look like an alien? Another daft misconception.

Any other excuses? When you have finished reeling them out, try EFT. You may be very pleasantly surprised!

See my Stop Smoking Books and EASY online program for YOUR quit smoking success!






How do UK life insurance companies define a ‘smoker’ and a ‘non-smoker’?

Posted by – April 2, 2013

When you fill out an application to apply for life insurance you will be sent a long questionnaire to fill out. It is primarily on the basis of this that your life insurance premiums will be decided.

So how do UK life insurance companies define a ‘smoker’ and a ‘non-smoker’?

There are generally two different types of questions asked on these forms to determine whether or not you are a smoker. The following two examples are taken from the application form for the Legal & General Whole of Life plan although you are likely to find very similar examples elsewhere.

1. Have you used cigarettes, cigars, pipes, or nicotine replacements in the last 12 months – including occasional use?
2. If you smoke cigarettes how many do you, or did you, smoke on average each day?


The first question was found in the first section of the questionnaire entitled “Initial Client Details” and the second in “General Health and Lifestyle”. What this may imply is that the companies are attempting to obtain an honest answer by catching the reader off-guard. Moreover, it implies that the moment an employee of the firm sees the answer to that question your application is sorted into a particular pile right away.

It may surprise you to learn that it is on the basis of the first question that life insurance companies will decide whether or not to class you as a “smoker”. If you said “yes” to this question, even if you only had one cigar last Christmas, then you are going to be asked to pay the far higher insurance premiums that the insurer asks of all smokers.

“..If you are an occasional smoker looking for a life insurance policy it is perhaps best shopping around..”

You may, of course, end up paying far lower premiums than someone who later divulges that they smoke a pack a day. However, as we have already discussed, the difference between what a smoker and a non-smoker pay is large enough in itself.

There are, however, some companies who give a small “occasional smoker’s” allowance – they enumerate the number of cigars/cigarettes they believe an occasional smoker should smoke in a year and if you can say that you smoke fewer than that you will not have to pay the smoker’s premiums.

Most companies quote a number of around one a month or twelve a year. If you are an occasional smoker looking for a life insurance policy it is perhaps best shopping around until you find one of these as it could make a considerable difference to the amount you pay. The best way of doing this is usually to try talking to one of the company’s sales representatives and asking them to clarify their stance on occasional smokers.

How do UK life insurance companies define a ‘smoker’ and a ‘non-smoker’? – Extract gratefully copied with permission from http://www.lifeinsure.co.uk

My name is Suzanne Zacharia and I am committed to spreading the word about health options. I believe that the more and better options one has, the more choice there is.

A virus caught along with 5 other students at university at the end of 1986, plus medical negligence, meant that I got smokers lung at a relatively young age. In desperation for help with my symptoms and quality of life, I turned to complementary therapy, and I have outlived one doctor’s prognosis by many years now.

Do You Wonder If You Could Stop Smoking in an Easy and Cheap Way?

Well, I am now a complementary therapist, author of the really easy to use stop smoking EFT book at http://www.quit-smoking-ebook.com, where you can buy the book wherever you live, If in the UK, you can buy it here: