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How Life Insurers Check for Tobacco Use Each life insurance company has its underwriting model, driven by unique factors and the weightings of these factors
Smoking leads to: a reduction in life expectancy by an average of 1015 years increased risk of lung, larynx, and bladder cancer chronic obstructive pulmonary disease (COPD) higher risk of heart disease, stroke, and atherosclerosis increased risk of premature cardiovascular and stroke-related death weakened immune system and greater susceptibility to infections DNA damage and genetic mutations leading to cancer Problem scale The global scale of the tobacco smoking problem is based on WHO data and epidemiological analyses
A list of 12 health effects was provided with yes, no, and do not know options
Vapers get to vape without all the difficulty of shopping for and refilling vape juice
Never use water to extinguish a candle
