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Life insurance: Higher premiums for smokers Health insurance: Tobacco surcharges common Disability insurance: Smoking affects premium calculations Cessation: Some insurers offer quitting incentives

But the WHO says that high-income countries with taxes on tobacco products do not face widespread issues related to illicit trade, while low-income countries continue to do so, precisely because of weaker tobacco-control programmes and taxes

"They are still getting younger smokers in developed markets, but not at the rate as the old ones are dying off." Excluding debt, the purchase is about $25 billion based on shares outstanding

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