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A recent survey published by the National Consumer Agency reveals potential savings of up to €7,509 on term life insurance and €6,841 on mortgage protection insurance. The comparison shows that age, occupation and lifestyle are now bigger factors in the cost of life insurance, while smokers pay on average, approximately 90% more for their life insurance. These policies are long term insurance policies and consumers are urged to take time to get the best possible value by comparing quotes from a number of life companies. A small monthly savings could add up to a significant amount over 10 to 35 years, so it pays to shop around.