Researchers at Loyola University Health Systems say former smokers have lower blood pressure and heart rates just 20 minutes after quitting. After 12 hours, the carbon monoxide level in their blood drops to normal. After a year, their risk of coronary heart disease drops to half the risk of a smoker.
For information about tobacco cessation benefits and how to lower your insurance premiums, go to Tobacco-Free Discount
on the Premium Discount Programs page.