Gonzo
The Living Force
Well, if you can avoid smoking at work, and any blood/urine analysis, ...lying is certainly an option. Like you say, you can always admit you started back up later for myriad reasons, if caught down the road.
I remember a friend who was a non-drinker and he discovered his car insurance company had a discount for teetotalers, so he signed some declaration that he would never drink while a policy holder.
Since insurance is in the risk business but has to compete against others, it makes sense that they would feel, believing mainstream medical science, that encouraging non-smoking increase life expectancy, decreases respiratory and other diseases, and therefore reduces the chance of payouts. They are as blind to the lies as anyone else, I bet.
They merely look at statistics, analyze risk and assess maximum profits through premium rates.
If they actually knew that smokers of non-adulterated tobacco (and paper) might have lower incidences of disease, accidents and shorter life expectancy, they might actually encourage such smoking.
At least that's my logic talking with limited knowledge. There may be factors I hadn't considered.
Gonzo
I remember a friend who was a non-drinker and he discovered his car insurance company had a discount for teetotalers, so he signed some declaration that he would never drink while a policy holder.
Since insurance is in the risk business but has to compete against others, it makes sense that they would feel, believing mainstream medical science, that encouraging non-smoking increase life expectancy, decreases respiratory and other diseases, and therefore reduces the chance of payouts. They are as blind to the lies as anyone else, I bet.
They merely look at statistics, analyze risk and assess maximum profits through premium rates.
If they actually knew that smokers of non-adulterated tobacco (and paper) might have lower incidences of disease, accidents and shorter life expectancy, they might actually encourage such smoking.
At least that's my logic talking with limited knowledge. There may be factors I hadn't considered.
Gonzo