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Title: A study on smoking habit and life offices' underwriting practices
Authors: Goh, Li Fern
Neo, Cin Yen
Ng, Boon Eng
Keywords: DRNTU::Business::Finance::Insurance
Issue Date: 1996
Abstract: “Smokers are three times more likely to die before the age of 70 than non-smokers” reported a Straits Times article [S. T1993] on a study by the Imperial Cancer Research Centre at Oxford University. This isjust one ofthe numerous studies that have been done to show the higher mortality ofsmokers compared to non-smokers. This report discusses the harmful effects of smoking and how life offices underwrite smokers. It was said that the difference in mortality between smokers and non-smokers appears wider than that assumed by life offices in setting premiums and yet, there has been little, if any, movement by companies to increase the differentials in their premiums [AL,1994]. This report also discusses certain factors like passive smoking and cigar andpipe smokingwhich are not rateable by life offices.
Rights: Nanyang Technological University
Fulltext Permission: restricted
Fulltext Availability: With Fulltext
Appears in Collections:NBS Student Reports (FYP/IA/PA/PI)

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