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Added on the 04/01/2021 11:34:24 - Copyright : Wochit
It's very simple: if you smoke tobacco or cannabis, vape, or chew tobacco, you will pay more for life insurance. The US Surgeon General says 16 million Americans have a smoking-related disease. Smoking-attributable healthcare spending costs over $170 billion per year. According to Business Insider, life insurance premiums are based on your health risk for insurance providers. The effect of nicotine on health is well documented, so smokers are seen as a higher risk for life insurance companies. For example, a twenty-year, $500,000 term policy for a 35-year-old male would cost $27.50 a month if he is a non-smoker, but $102.08 a month if he smokes! If you plan to quit smoking or are in the process of quitting, annual renewable term life insurance is better than a traditional term life insurance policy. Another option for smokers is no medical exam life insurance.
British Prime Minister Rishi Sunak vows to introduce legislation to reduce tobacco use, raising the smoking age by one year every year. SOUNDBITE
People who use e-cigarettes have a roughly 30% higher risk of developing respiratory illness. The increased risk includes conditions like chronic obstructive pulmonary disease, emphysema, bronchitis, and asthma. The four chronic conditions lead to difficulty breathing and can be life-threatening if left untreated. The risks for chronic lung diseases among current e-cigarette users is 31% higher compared to non-users. According to UPI. former e-cigarette users have a 28% higher risk. Chronic obstructive pulmonary disease causes obstructed airflow from the lungs. Asthma develops as a result of the narrowing of the airways, and chronic bronchitis is common in smokers. Emphysema is a progressive condition, also diagnosed in smokers, that causes decreased lung capacity.
Arbroath (UK), 12 Nov (EFE/EPA) - (Camera: Robert Perry) Arbroath Fisheries Ltd. in Arbroath, Scotland, continues to smoke the fish they catch using the traditional method of smoking. The result is the so-called Arbroath Smokies, which are mainly made from Scottish haddock, and have the recognition of Protected Geographical Indication so they can only be produced within a 5 mile radius of the town.FOOTAGE OF THE COMPANY.
People who smoke are nearly three times as likely to die prematurely from heart disease than non-smokers. According to UPI, the risk is even higher for those who began smoking during childhood. Smokers who quit between ages 15 and 34 had about the same risk for dying from heart disease or a stroke as non-smokers. People who kicked the habit between ages 35 and 44 had about a 20% higher risk. However, people who quit between ages 45 and 64 were up to 70% more likely to die from heart disease or stroke.
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