Regardless of how many health problems arising from it, no matter how it makes ugly clothes, hair, homes, and breath odor, and no matter how difficult to stop once started, people continue to smoke.
Smoking leads to some dark cloud over the head of the smoker - and not the cloud of smoke the last cigarette. And 'the cloud of premature death. Everyone is dying, but people who engage in dangerous activities and habits that are known to cause death, such as smoking, are at greater risk of dying before they could if they had not started smoking.
life insurance companies see the dark cloud that follows smokers around, too. That's why sometimes it seems impossible for smokers to purchase life insurance policies. And 'quite difficult for people with health problems who were born or evolved naturally to get a good life insurance policy, but smokers are only accelerating the process of death on their own.
Most life insurance companies require potential policyholders to undergo a medical examination before offering them a life insurance policy. Many smokers try to hide their habit, avoiding smoking for a few days before the medical examination, while this sometimes works, it means that the smoker is in the clear. If the smoker to smoke again once the examination is over and life insurance policy was purchased, he or she may still be denied coverage.
The reason for this is more life insurance companies have a "contestable period", which is an amount of time from when the contractor purchases the life insurance policy. If the insured dies during that time, and life insurance company discovers the bill died from smoking-related health conditions, the company may withdraw the death and family members and beneficiaries will be left high and dry.
If you can not stop smoking for yourself, stop smoking for your family.
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