吸菸會增加人壽嗎？
吸菸會增加人壽嗎？
 Smoking affects life insurance rates but how much depends on other health and lifestyle factors. In general, the premium for term life insurance for people in their thirties and forties is three times more for tobacco users than for non tobacco users. The factor widens on older individuals. For permanent (cash value) policies the difference is not as great. The kind of smoking or tobacco use affects rates, too. In recent years, a few innovative insurance companies have been offering non tobacco rates to cigar smokers and users of smokeless tobacco making their tobacco class rates effectively cigarette user rates. Celebratory cigar use e.g. once or twice a year at weddings, may even qualify at such innovative insurance companies for preferred non tobacco premium rates.
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