Smoking is a drag.
In the past, cigar and pipe smokers often qualified for 'non-smoker' discounts. A survey by Hannover Re shows that UK life insurers are now tightening up on their definitions. Keith Sankey reports.
The concept of giving life assurance premium discounts to non-smokersarrived in the UK from the US in the early 1980s. Once one direct office
adopted it, competitive pressures forced others to
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