Pacific Life Re claims survey: When is a smoker not a smoker?

This is the third in a series of pieces on the COVER news site highlighting our key findings from our consumer research on consumers' perceptions of protection claims management. In this feature we will be providing a snapshot of our findings with regards to what consumers perceive to be a 'smoker' vs 'non-smoker'.  When is a smoker not a smoker? The question; "Have you smoked tobacco in the last 12 months?" appears simple enough but when you ask what makes someone a "smoker", it seems that it's not so straightforward!  To get a better understanding of this from a consumer's per...