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Seriously, you heard that right

The explanation for this is simply that smokers are more likely to develop health concerns in the future, and therefore represent a greater risk for insurance companies

Moreover, cultural factors, such as the normalization of smoking by society, can affect smoking cessation behaviors (National Institute on Drug Abuse, 2020)

Linda Mccartney 1941-1998 Paul McCartney, Jamaica, 1972, 1972 Platinum photograph, Edition of 25 40.6 x 60.4 cms 15 15/16 x 23 12/16 ins 3606 Edition of 25 Signed, dated and numbered on the reverse Exhibitions Linda McCartney.Photographs, James Hyman Gallery, London, 24 April - 7 June, 2008