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April 4th, 2008:

Smokers Urged To Cough Up The Truth

Life Insurance: Smokers urged to cough up the truth – April 4, 2008

Life insurance companies are increasingly checking if claimants are truly non-smokers, and turning down claims for those failing to prove they are smoke-free.

Analysis from shows non-smokers enjoy much lower life insurance premiums – proving a solid incentive for smokers to lie on forms to reduce the cost of cover.

A 25-year female smoker faces life insurance premiums of £11.20 a month, while a non-smoker can pay from £7.50 a month.

Meanwhile a non-smoking 40-year-old male will pay £49.26 per month for critical illness cover (CIC) and a 40-year-old smoking male £93.78.

However, smokers are being warned if they die of a smoking related illness and their insurer thinks they are a non-smoked there will be no pay-out.

Ian Durrell of Onlyinsurance said: “Smokers who declare they have given up but continue to smoke, no matter how infrequently, will be paying for nothing should they die from a smoking related condition.

“The policy simply won’t pay out and their beneficiaries will be the losers.”

To be classed as a non-smoker, for life insurance you need to be fag free for 12 months – over which time you would be £2,016 a year better off through not buying cigarettes.

“Smokers will pay twice the price for critical illness cover than a non-smoker – it’s a no win situation for the smoker, their nicotine addiction is tightening both their heart and purse strings,” concluded Mr Durrell.

Tequila To Be Downed Without Cigarette In Hand

In Mexico City, tequila to be downed without cigarette in hand

Apr 4, 2008, 0:45 GMT – M & G

Mexico City – Mexico City citizens who enjoy smoking while visiting the city’s 35,000 public establishments had to stub out their cigarettes Thursday.

People who defy the law multiple times face fines of up to 150 dollars, and determined repeaters could even be thrown in jail for 36 hours. Owners of restaurants and hotels also face fines, and office buildings, hospitals and universities which continue to allow smoking in public spaces also face harsh sanctions.

Restaurants where smokers are caught twice in one year will be closed, according to the law.

The anti-smoking law reflects a growing trend across the North American continent and, more recently, Europe, spurred on by health- conscious governments trying to stem the human and material costs of tobacco’s health consequences.