Have you heard of smokers term life insurance? It’s not offered yet in the Philippines but in the Western Countries like USA and UK, it’s a common thing. Much has been said and advocated about the danger of smoking in our lives like how it shortens smokers lifespan by 40%, the potential to have lung cancer and other fatal diseases associated with the habit .Why are smoker’s aren’t afraid amidst all the warning? It’s because smoking is addictive and it’s very hard to be free from the bondage of the puff. So to all smokers out there… if you can not quit smoking, then embrace the higher cost of your life insurance.