Alan Lakey: The real impact of being a smoker

Should we generalise regarding the potential claim impact of being a smoker? When assessing any impact should a fully focused approach be used instead to measure the added risk of being a smoker? I ask this because recently I read an article (not on COVER, I might add) which introduced a number of generalisations regarding the increased risk in respect of cancer, many of which are likely to heap confusion on a complex issue. The impact of smoking in respect of a critical illness policy is potentially...