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For decades now we’ve known that smoking is bad for our health – the research has conclusively shown that smoking increases your risk of suffering from cancer, heart disease, stroke and lung disease, among many other conditions.

Clyde Parsons, actuarial executive of BrightRock, explained this is the reason why smoker rates are higher than non-smoker rates in life insurance. “Smokers can pay more than double the premiums a non-smoker would pay, depending on factors, such as age, pre-existing conditions like those mentioned above and how you’ve structured your policy.’’