{"id":4295,"date":"2026-04-23T03:04:01","date_gmt":"2026-04-23T03:04:01","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/the-smoke-free-generation-and-what-it-could-mean-for-insurance\/"},"modified":"2026-04-23T03:04:01","modified_gmt":"2026-04-23T03:04:01","slug":"the-smoke-free-generation-and-what-it-could-mean-for-insurance","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/the-smoke-free-generation-and-what-it-could-mean-for-insurance\/","title":{"rendered":"The smoke-free generation and what it could mean for insurance"},"content":{"rendered":"<div>\n<p>If you model a generation in which the smoking prevalence rate falls to near zero \u2014 not through gradual social change, but through a legal floor that prevents uptake entirely \u2014 the downstream effects on life insurance mortality, on health insurance claims frequency, on critical illness payouts for lung cancer, heart disease, and chronic obstructive pulmonary disease, are enormous. A cohort that does not smoke at all is a cohort that, on average, lives longer, spends less time in hospital, draws less on long-term care, and generates fewer large catastrophic claims in the middle decades of life.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you model a generation in which the smoking prevalence rate falls to near zero \u2014 not through gradual social change, but through a legal floor that prevents uptake entirely \u2014 the downstream effects on life insurance mortality, on health insurance claims frequency, on critical illness payouts for lung cancer, heart disease, and chronic obstructive [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4296,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3046,11,3045],"class_list":["post-4295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-generation","tag-insurance","tag-smokefree"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=4295"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4295\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/4296"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=4295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=4295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=4295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}