insurance rate smoker
Smokers Life Insurance Quotes, Smokers Life Insurance Pricing ...
Even if you smoke cigarettes, cigars, or a pipe or chew tobacco you could still be eligible for great rates for life insurance for smokers. Insurance rates ...
New Jersey Auto Insurance Rate
Auto insurance new quote york article by narcisse blogged on wed, mar new jersey auto 8nsurance rate shop life insurance rate smoker life insurance rate. ...
Cigar smokers and life insurance: the inside scoop
The table below lists the details on how nine different insurance companies in Canada treat cigar use and the applicant’s ability to obtain non-smoker rates ...
California smoker term life insurance quote
Some insurance companies charge less if you stop smoking tobacco, and some make you wait two or three years to get a smoker low cost term insurance rate. ...
Helping your pregnant employees quit smoking:
insurance rates or gift certificates, for smokers who. quit. Offer gift certificates for baby items to pregnant. smokers who successfully quit. ...
Cost of life insurance halves in a decade
Whilst consumers have seen the cost of other forms of insurance such as motor ... In contrast, smoker rates have continued to decrease, falling by an ...
Quit smoking and save more than the cost of cigarettes - Telegraph
Kevin Carr, from insurance broker Lifesearch, said: "Until 18 months ago, you could get non-smoking rates for cigar smokers - but not any longer." ...
www.term4sale.com - History of Term Insurance Premiums
Virtually ALL life insurance companies now offer lower rates to non-smokers and higher rates to smokers. A non-smoker is generally considered a person who ...
Terms Life
8) Do insurance companies treat all tobacco users the same? Cigarette smokers that smoke less than a pack a day have a chance to get a non smoker rate with ...
Discover the best smokers and smokers sites
Filed under lump sum, smokers, risk, nightmare, circumstances, specialist broker , expiration date, death insurance, insurance rate, current health by ...
Special - Insurance - Excite UK
A smoker's life insurance rates are approximately double that of a non smoker. People planning to quit on no smoking day cannot expect to see their premiums ...
Obtaining Life Insurance In Your Fifties - 50 year old term policies
If you smoke, that will drive the cost up. If you smoke only on special occasions, your rates will be the same as a chain smoker. To an insurance company, ...
Use and cost effectiveness of smoking-cessation services under ...
Background Lack of information about the effect of insurance coverage on the demand for ... with the highest rates of use among smokers with full coverage. ...
Term life insurance rate information at American Life Direct
There are a number of health factors that go into the determination of a term insurance rate. Being a smoker is generally a significant factor when it comes ...
The direction of healthcare in the USA
Humana, United, and Celtic increase rates 20 to 25% for smokers. Other companies , such as Aetna, might allow a smoker to get health insurance at a preferred ...
» How To Pay Less For Term Life Insurance By Quitting Smoking Free ...
Term life insurance rates will affect people who smoke. How Smoking Affects Term Life Insurance Rates. Something important to understand about term life ...
non smoker variable life insurance rates, save 30%
compare online instantly and save 30%, Directs net premium to investment accounts, with potential growth in cash value and death benefits tied to the ...
Canadian Life Insurance for Smokers
The best way for smokers to get life insurance is so shop from a variety of companies. ... Smoker Life Insurance Rates Required fields are marked with: * ...
Cheaper Insurance Rates
Looking for affordable health insurance? Get free quotes and compare plans to get the ... *Are you a smoker? Yes No. *Do you have any health conditions? ...
Can Smokers Find Reasonable Life Insurance Rates Too? Absolutely ...
However, shopping around for insurance could not be more important for smokers, as underwriting criteria, resulting classification, and rates for smokers ...
InsuranceHotline.com - insurance policy auto insurance coverage ...
Insurancehotline.com finds you the lowest insurance rates. ... Most plans offer better rates to non-smokers, but if a smoker should quit smoking in the ...
Buy New Mexico Life Insurance Online
Smoker life insurance rates in New Mexico are drawn from two things: how you answer the smoking question on your application for life insurance coverage, ...
Wells Fargo Financial - How to Save on Term Life Insurance
If you are a smoker, you should consider quitting. Most insurance companies have several tiers of rates, including a lower tier for nonsmokers and a higher ...
Medical Insurance Rate :: InsuranceAssurance
Medical Insurance Rate article by Padarn :: Blogged on Tue, 14 Mar 2006 ... Rate Term | Insurance Life Rate Smoker Term | Medical Malpractice Insurance Rate ...
Buy Oklahoma Life Insurance Online
Do I have to get Oklahoma smoker life insurance quotes and higher rates? Will my benefits be given out if I don’t? James. Thanks for asking, James. ...
Get Rich: Quit Smoking at SmartMoney.com
Jan 5, 2007 ... There's no "former smoker" distinction in life insurance. ... smoked two packs a day for 20 years, you'll go right back to that lower rate. ...
Group Life Insurance Rates | Human Resources | University of Waterloo
PLEASE NOTE: Monthly rates are quoted per $1000 of insurance and include 8% ... **Sun Life's definition of a non-smoker is an individual who has not smoked ...
PERSONAL HEALTH; RESTRICTING SMOKING IN THE WORKPLACE - New York Times
Employers should be encouraged to provide incentives for nonsmokers and smokers who quit, such as lower health and life-insurance rates, reduced-rate or ...
Smokers still are discriminated against for Life Insurance, But ...
Alternate tobacco users like chewers, pipe smokers can now find insurance plans from carriers at non tobacco rate classes. This can be a huge savings in ...
Jumping Jehosophat! Consumers Believe George Jetson and Popeye ...
Also, consumers greatly underestimate the degree to which certain factors can impact life insurance rates. When asked how much more a cigarette smoker would ...
USBA: Smart Value 10-Year Level Term Insurance Plan
USBA is a nonprofit organization providing low-cost group life insurance and other financial ... Female Preferred Rates. Male Standard Non-smoker Rates ...
Smoker Life Insurance Independence Missouri MO
Its part of the insurance tradition that life insurance companies penalizes smokers severely, because of their high rate of mortality. ...
Article Marketing Resources
Come and compare our life insurance rates online instantly. Smoker Life Insurance New Mexico - Life insurance in New Mexico? Compare our low online rates ...
Kiplinger.com Community - Health Insurance for Non-Smoker
I guess this all depends on the life insurance policy and the life insurance carriers rates for smokers and non smokers. You can start looking through the ...
Life Insurance Corpus Christi
Filed under: Easy online Life Insurance in Corpus Christi, Low Rate Life Insurance in Corpus Christi, Smokers Life Insurance in Corpus Christi — admin ...
Medicare Supplement Insurance Rate Guide Plan I from the Texas ...
Medicare Supplement Insurance Rate Guide Plan I from the Texas Department ... AR =Area GI=Guaranteed Issue GR=Gender Rated NS=Non-Smoker MS=Medicare Select ...
Life Insurance Quotes Houston Texas Life insurance for smoker ...
How does a company know that I’m a smoker to give me the Houston Texas smoker life insurance rates? Abigail. Thanks for asking, Abigail. ...
$mokers pay the price
These are the ones who raise your insurance rates. I'll bet you find that these aren't the smokers. As for the whiner sitting on the beach I doubt that ...
Affordable Life Insurances-web-2
Affordable life insurance - IntelliQuote has helped thousands of customers get the ... To qualify for non-smoker rates, most companies require that you be a ...
Low Cost Term Life Insurance For Smokers And Nicotine Users | Get ...
By doing some simple research, smokers and tobacco users can now afford to protect their families at lower term life insurance rates. ...
Terms Life
8) Do insurance companies treat all tobacco users the same? Cigarette smokers that smoke less than a pack a day have a chance to get a non smoker rate with ...
Cigars & Smokers’ Life Insurance Rates in Houston, TX
So, if you’re a cigar smoker, try calling your insurance agent or doing some research to find the best life insurance rates available. ...
Smokers Life Insurance
Smokers who purchase a term life insurance policy from eLifePolicy can expect to pay reasonable rates and be approved quickly- simply fill out an online ...
Coughing up Smoker's Rates for Children | Legal Headlines ...
Coughing up Smoker's Rates for Children. Date: May 30, 2006 12:00 AM. Adjust font size. NEW YORK – AXA Equitable Life Insurance Co. could face a class ...
Facts about Life Insurance - Term Life Insurance Quotes
Using their various risk guidelines, a life insurance company determines what rate class (such as Non Smoker Super Preferred, Non Smoker Preferred, ...
Smoker Life Insurance Rates Tampa Florida FL
Reader's Question: I have been a heavy smoker for years and I dread to get a life insurance because I ...
Article Zuiwahe: Smoker's Policy
Both nonsmoker and smoker life insurance rates reveal the preference given to non smokers. A preferred non-smoker person will pay around $100 to $120 a year ...
NEJM -- Use and Cost Effectiveness of Smoking-Cessation Services ...
The annual cost per smoker ranged from $6 (with reduced coverage) to $33 (with ... Insurance Coverage of Smoking Cessation Treatment for State Employees. ...
5124 Quit Smoking.3
When you qualify for Preferred or Standard smoker risk class, you pay the lower Standard Non Smoker. cost-of-insurance rates for the first three policy ...
Obese? High Cholesterol? Smoker? You Might Start Paying More for ...
Jan 12, 2008 ... Smoker? You Might Start Paying More for your Employer Sponsored Health ... The fact that group health insurance rates have been less than ...
Why the War on Smoking Will Fail » Propeller
As for those who claim higher health insurance rates, do you really think ... Laws and regulations may restrict the smoker from smoking in certain areas but ...
York County School Division Health & Dental Insurance Rates ...
Health & Dental Insurance Rates. Efffective: October 1, 2007 - September 30, 2008 ... *smoker rates do not apply to dental. Delta Dental Plan of Virginia ...
Smoking Affect Term Life Insurance Rates In Florida | Life ...
But you can consider quitting if you want to reduce the rate. The life insurance company will take you as a non-smoker if you have never smoked or if you ...
Ed Hinerman on Life insurance - Blog Toplist
I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance ads ...
Quit Smoking, Invest the Money Spent on Cigarettes and You Might ...
Sep 6, 2007 ... You see, if I was a smoker, I would spend an average of 40% more on health insurance every year. My life insurance rates would be higher ...
Smoking ban changes landscape of one-time smokers' haven ...
Her boyfriend, Tony Rios, 41, is a smoker. Between turns he sits at a round .... Since fat people keep eating these and making the insurance rates higher it ...
Cheap Smoker Insurance Rates — Bloggar, Bilder, och mer hos WordPress
Cheap Smoker Insurance Rates. Sorry, we don’t have any posts here with that tag. ... Find other items tagged with “cheap-smoker-insurance-rates”: ...
Margi Chong v. Columbia Sportswear Company, Complaint Re Anti ...
The memo states that although the insurance rates are going up equally for everyone, the smokers surcharge will be in addition to the rate increase and will ...
Does Insurance Coverage For Drug Therapy Affect Smoking Cessation ...
Of the 3703 postcards returned, the unadjusted response rates to the .... the 1102 smoker respondents who were covered by Blue Cross commercial insurance. ...
Low Cost Term Life Insurance UGW
Since 1996, term life insurance rates have been reduced by as much as 70% ... you may qualify for special reduced smoker rates! ...
The Insurance and Planning Resource Center: {title}
If you have a "Preferred Non-Smoker" or "Preferred Smoker" rate class policy ... Replacement of an exisiting life insurance policy will not be required! ...
Compare Life Insurance Rates Online Smoker life insurance
Mar 2, 2008 ... Houston TX smoker life insurance rates are constantly changing, but I have compiled a few quotes which can give you an idea of what smoker ...
Term Life and Smokers Term Life Insurance | Best Insurance Quotes ...
There are smoker’s term life insurance policies available just for those who ... to bring affordable rates for the smokers depending on the drugs they use. ...
Smoker vs. Nonsmoker Health Insurance Rates - BenefitsLink Message ...
My coworkers and I are currently going through benefit renewal discussions and the topic of smoker rates vs. nonsmoker rates has come up. ...
2007 RATE GUIDE
2007 Medicare Supplement Insurance (MediGap) Rate Guide ..... Female - Smoker - Standard. Agents in Anchorage, Fairbanks, Juneau ...
Insurance Rates, auto insurance, Health Insurance, life insurance ...
If you are a smoker, stop for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate. Life insurance quote ...
Can you hide smoking from life insurance companies?
How much do you have to smoke to be considered a smoker? ... Life insurance companies generally use three broad rate classifications for pricing policies: ...
Smokers Insurance - Smoker's Insurance
If you are a smoker, the great rates advertised by most life insurance carriers ... Fear not, smokers insurance is available at great rates through select ...
Annual Renewable Term Life Insurance Rates*
Insurance Company, the policy form number is ILA1018(06)U. When issued in New ... The initial issue rates for this product are the same for both smokers and ...
Ontario passes ban on smoking in cars with kids under 16 ...
Jun 20, 2008 ... I am an ex-smoker, I remember growing up in a family of heavy ... You think if smoking didn't exist at all, your insurance rate would be any ...
Easy Life Insurance Dallas
Dallas Life Insurance Affordable, Low, Insurance Rates in Dallas and more… .... But it’s not the case for life insurance. Life insurance rates are expected ...
It is possible for smokers to cheat life insurance test
May 2, 2007 ... Under this standard classification you would pay a normal life insurance rate for your age, as opposed to a smoker, who would pay a higher ...
Smoking Facts
Insurance rates can be higher for smokers. Some 100000 doctors stop smoking every year. Foods will taste much better to non-smokers. Many subtle flavors and ...
Term Life Insurance Demystified
Term life insurance rates will affect people who smoke. How smoking affects term life insurance rates Something important to understand about term life ...
EQUOTE - Understanding Life Insurance From A-Z
Term Life Insurance Rates for Smokers and Dangerous Hobbyists If you’re a smoker it is possible to lower your term life insurance rates? ...
The American Journal of Managed Care: Employer-sponsored Insurance ...
Employer-sponsored Insurance Coverage of Smoking Cessation Treatments ..... When the dropout rate for current smokers only was doubled, the conversion years ...
Life Insurance Rate Comparison
The rate applied for tobacco smoke requires a lonely talk because a lot of factors are involved in the life insurance for smokers. Basically rates are based ...
Stop Smoking, Start Saving?
Are you trying to kick your smoking habit? Find out how quitting can lower your life insurance costs.
quitting smoking, why insurance companies donot help with cost ...
Chantax worked best for me and insurance made the cost manageable. ... I've been a heavy smoker (1 + packs/day) for 16 years, ...
Cheap Smoker Life Insurance
Cheap Smoker Life Insurance Finding good term life insurance can be difficult ... we can provide both smokers and non smokers with the best possible rates. ...
EZ to Quit Smoking Cessation Clinic - EZ to Quit Smoking Cessation ...
Walk out of our clinic smoke free 1 1/2 hours after treatment. ... and lower health, life and auto insurance rates (check with your insurance agent). ...
USATODAY.com - Employers charging smokers extra for health insurance
Feb 16, 2006 ... CD and loan rates. Special Sections .... Even though Kroger doesn't charge smokers more for insurance, he fears the survey may be the first ...
WNLO-TV | CW23 - Buffalo, New York: Can Smokers Find Reasonable ...
However, shopping around for insurance could not be more important for smokers, as underwriting criteria, resulting classification, and rates for smokers ...
News Articles: "Smokers Should Pay More"
Mar 22, 2006 ... The most typical response was that it was unfair to single out smokers for paying higher insurance rates without also charging more for ...
AccuQuote, a Leading Provider of Term Life Insurance Quotes ...
For example, a 40-year-old male cigarette smoker qualifying for term life insurance rates on a policy with a face value of $500000 would be quoted a minimum ...
Jumping Jehosophat! Consumers Believe George Jetson and Popeye ...
Sep 24, 2008 ... The vast majority (80%) say that smoking rates are only 5%, ... that insurance companies are not allowed to charge cigarette smokers higher ...
Quitting Smoking Can Lower Your Rates | Auto Insurance, Vehicle ...
Anyone who has shopped for life insurance knows that smoking raises your rates. But what about auto insurance? Did you know that many insurers provide ...
Life Insurance for Cigarette Smokers - Advantage One Insurance
It's often hard for smokers to get great life insurance rates because of the inherent risk of smoking. However, there are options. ...
Yahoo! Can You Hide Smoking From Life Insurance Companies?
Insure.com looked at both nonsmoker and smoker rates from an online insurance quoting service for a 20-year term insurance policy of $100000 for a ...
Advice, How to Pay Less for Term Life Insurance by Quitting ...
May 20, 2008 ... Term life insurance rates will affect people who smoke. How Smoking Affects Term Life Insurance Rates. Something important to understand ...
The Great American Health Challenge :: Why Quit?
Landlords may choose not to rent to smokers since maintenance costs and insurance rates may rise when smokers occupy buildings. ...
Car Insurance Myths Versus Realities - Progressive
Your car insurance rates will not be higher if you smoke — we don't even ask you if you're a smoker when you get a quote from us. ...
Cigar Aficionado | Archives | Life Insurance for Cigar Smokers
The differences between smoker and nonsmoker life insurance rates are dramatic. In a telephone survey of the 25 largest and 10 smaller life insurers in the ...
Smoking Cessation
Landlords may choose not to rent to smokers since maintenance costs and insurance rates may rise when smokers occupy buildings. ...
Smokers Life Insurance
When buying life insurance, smoking carries a high cost. Traditionally, life insurance companies penalized smokers severely, due to their higher rate of ...
Ed Hinerman On Life Insurance » cigar smokers
For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. ...
Life Insurance Quotes Dallas TX
So, if you’re a cigar smoker, try calling your insurance agent or doing some research to find the best life insurance rates available. ...
Life insurance up in smoke | Ask Metafilter
My partner is in the insurance industry, so I asked her. She said that when they re-rated his policy as a non-smoker, that became his new rate. ...
III - Term Life Insurance Rates Expected to Drop in 2008
Sep 21, 2007 ... Since 2000, term insurance rates dropped about 4 percent per year on ... Premiums for smokers buying term life insurance will be higher than ...
Life Insurance Non-Smoker Rates
So, most people would contact their agent or life insurance company if their policy was issued at a Smoker rate and they have now stopped ...
The high cost of smoking - MSN Money
We pulled some online quotes on 20-year term life insurance (a $500000 policy) for a ... "Smokers, due to higher mortality rates, obtained lower lifetime ...
Life and Smokers Life Insurance | Cheap Insurance Quotes - Health ...
Smokers cannot get insurance as others can get life insurance. Smoker’s insurance rates are being calculated in the form of nicotine they use. ...
fatrates
In 1987 the government ruled that health insurance companies could charge different rates to smokers and nonsmokers, a ruling it reaffirmed in its letter to ...
Term-Life-Insurance-Smoker-Rates.com - AboutUs Wiki Page
From AboutUs: See what information we have on Term-Life-Insurance-Smoker-Rates. com and share your knowledge.
The Cost Of Smoking - SavingAdvice.com Blog
Car Insurance: Smokers get into more accidents than non smokers and therefore their car insurance rates are higher than non smokers - usually hundreds of ...
ASH - SMOKING IN THE WORKPLACE COSTS EMPLOYERS MONEY
Insurance: Additional health-care cost per smoker in this country is slightly ... insurance rates can be slashed through renegotiation for new fire, health, ...
Health Insurance Quotes - Health - Smoker's Rates
Receive a free health insurance quote. Do you know how much you are paying to smoke?
Smoking & Insurance
Aug 15, 2007 ... So much for trying to lock in good rates while I'm young and healthy. ... me just as much a smoker in the eyes of the insurance company as ...
Coventry Health & Life Insurance Company Maryland Region ...
Coventry Health & Life Insurance Company. Maryland Region. Individual SMOKER Rates. EFFECTIVE. 10/01/2008 through 12/31/2008. 80% Choice. PPO 500. IDX 46857 ...
WikiAnswers - Are auto insurance rates different for smokers and ...
Auto Insurance question: Are auto insurance rates different for smokers and non- smokers? Maybe, I know of at least one company that offers a lower rate to a ...
ABE-sponsored 5-year banded group term life insurance—rate chart
Example: 40-year-old non-smoker member applying for $750000 in coverage under the ... Death and Dismemberment Insurance (see chart for rates) $90.00 ...
Life Insurance rates for Cigarette Smokers and Tobacco Users
Life insurance pricing and rates for smokers and tobacco users.
Smokers Can Afford Life Insurance | DoItYourself.com
Whether you smoke two packs of cigarettes a day, or have an occasional cigar or pipe, most insurance companies are going to offer you SMOKER rates ...
Life Insurance Resources, tips Better Health, lower Insurance Rates
If you quit now, your rates will drop significantly if you re-submit your " healthier" non-smoker status to insurance companies a year later. ...
Insuring the Cost of Smoking ~ Everything Finance
According to the Credit Finance Centre, a non smoker’s life insurance rate will, on average, be 30% - 55% less than that of someone who smokes. ...
Life Insurance Rates - LoveToKnow Insurance
Aug 11, 2006 ... Choose a reputable life insurance company. Shop around to determine which company offers the best rates. Quit smoking. If you are a smoker, ...
Term Life Insurance for Smokers - Instant Quote
Some insurance companies charge less if you quit smoking tobacco, some make you wait two or three years to get a smoker affordable term insurance rate. ...
AccuQuote, A Leading Provider Of Term Life Insurance Quotes ...
Jul 10, 2008 ... For example, a 40-year-old male cigarette smoker qualifying for term life insurance rates on a policy with a face value of $500000 would be ...
Smoking May Cost More Than You Know
Bud do you know how a life insurance company defines a smoker? Here are three general categories by which customers are rated:. The best rate is, no smoking ...
Houston Life Insurance
Filed under: Cancer Insurance quote Houston Texas, Smokers Term Life Insurance Houston — admin @ 6:42 pm. I am a smoker will that effect my rates? ...
Life Insurance Advisors - Smokers life insurance.
If you smoke cigars, many term life insurance companies will treat you as a tobacco user. Your term life insurance rates may be 2-3 times more expensive ...
quitting now could save smokers a small fortune, advises moneynet ...
A smoker applying for life assurance will find themselves facing almost double ... cross-cultural issues will suffer from more than lofty insurance rates. ...
Overweight and a smoker - WOW! Are you in trouble!
Life Insurance Rates. Overweight and a smoker - WOW! Are you in trouble! According to the National Health and Nutrition Examination Survey (NHANES) 2001 to ...
Cheap Smoker Term Life Insurance - How to Find Cheap Life ...
Jul 1, 2008 ... Read on to find some ways to find affordable smoker term life insurance rates. Life insurance in America is not a common thing. ...
Do you have questions about affordable term life insurance for ...
Free information on affordable term life insurance for smokers. Matrix Direct can help you secure excellent coverage at competitive rates.
Cigars & Smokers' Rates
I don't smoke cigarettes, but I smoke cigars occasionally. Will I have to pay smokers' rates for life insurance?
Smokers Rates Life Insurance Coverage
We offer low premiums for cigar, pipe, or tobacco life insurance policies. If you have been cigarette smoking for years we can offer you a customized free ...
Life Insurance For Smokers | Life Insurance Articles from Efinancial
If you happen to be a smoker and are looking for affordable life insurance, you may soon realize that high life insurance rates are just a part of life for ...
The high cost of smoking
Smokers pay more for insurance and lose money on the resale value of their cars .... rates, obtained lower lifetime bene= fits compared to never smokers, ...
Smoking and Life Insurance - Insurance rates for smokers - InsWeb.com
Smokers can find affordable term life isnurance coverage. Smokers can save by buying life insurance coverage when they are young, select the right length of ...
Workforce Management Community Center: Benefits & Compensation
Author, Smoker vs. Nonsmoker Health Insurance Rates. TysonJ Joined: Sep 09, 2008 Posts: 1, Posted: 2008-09-09 09:19 ...
Do Smokers have Higher Life Insurance Rates?
Insurance companies often allow former smokers to pay the non-smoker rate if they remain tobacco-free for at least a year. ...
Smoker Life Insurance
Smoker life insurance companies are evaluated to select the top ... Most companies rate any usage of tobacco in the past year as a smoker classification. ...
Smokers Term Life Insurance: Quotes and Rates Online
Smoker Term Life Insurance Rates and Quotes: The Online Database for Affordable and Cheap Smokers Term Life Insurance.
Life Insurance for Smokers
Life insurance is a competitive marketplace, but most online insurance sites are not offering the best smoker or tobacco life insurance rates available now, ...
Costs of Cigarette Smoking Raising Rates for Health Insurance Coverage
Apr 3, 2007 ... Health Insurance Rates for Breast Cancer Treatment. ... than $3400 a year for health insurance coverage and lost productivity each smoker! ...