Lower insurance premiums bid up in smoke

In a 2017 article Sanlam Personal Finance spelt it out in hard numbers – a healthy, non-smoking 25-year-old man could qualify for R2m cover at a monthly premium of R294. The same cover would cost a smoker R592 per month – more than double. A healthy non-smoking woman of 45 would pay about R462 for the same cover, but she’d have to pay R1,090 a month if she smoked.

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