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If you have any of the following financial commitments, which your loved ones may struggle to pay if you die, then you should consider life insurance: An outstanding mortgage or equity release loan Unsecured personal loans Credit card debt Childcare or other education fees No savings One family income Who Do Insurers Classify as A Smoker

doi:10.1902/jop.2000.72.9.1210

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Some models feature a snap-lid closure, while others have a hinged or screw-top design for added security

But Ann McNeill, a professor of tobacco addiction at Kings College London, said cigarette makers should note that if their product had been invented today, it would never have even reached the consumer market