Smokers pay higher premiums for a reason

Even for non smokers, the chance of living up until age 75 is higher for every age group than living to age 75 without a life threatening critical illness.



Notice that these data are not about the chances of critical illness or death in the next 5 or 10 years at various ages. The chances are higher at younger ages because those people have to live for longer time period without a critical illness before age 75 than those who have been fortunate enough to live, for example, to age 65.

Smokers have worse chance to live long than non smokers, but the difference between smokers and nonsmokers is even bigger if you look at the different probabilities for living without a critical illness.

 

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