Smokin' hot topics

What to do about smoking is a hot topic, not just in insurance but in public health and politics. With Nigel Farage promising never to go to a pub again if the government ban smoking in beer gardens, there will certainly be plenty of noise around this in the coming months. In the world of insurance, we have seen a lot of smoke (and possibly one or two mirrors) around the topic in recent years. The evolution from a once simple smoker or non-smoker divide to never smoked, time since last smoked and non-smoker splits has been compounded by the transformative changes to public behaviour brou...