Not that I'm for smoking but there are far worse habits---
I saw lady that weighed about 300lbs sit next to smoking section @ Mc Donalds shoveling in the fat grams and complained to a smoker in that section to put out cig it was bad for her health.
Bottom line from actuarial standpoint which of the following is NOT a decline for health coverage.
A: Smoker
B: morbid obesity
C: HIV positive
D: confirmed achoholic
Would you say there are any common myths among obese-gays or achoholics? Do they get it?
--and why on earth would an agent ask if they smoked in their house are cars. You sure have some odd health applications in detroit
and while your implying their smoking is cause of childrens condition--again from actuarial standpoint why is it if one spouse smokes and the other does not only one is rated? or would you like us to believe your opinion on 2nd hand smoke is more precise than years of actuarial studies--I assume from your remark if one smokes in household you would want to rate them all?