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They were classified into five categories according to their smoking habits: non-smokers, ex-smokers, light smokers, moderate smokers and heavy smokers

Because heavy smoking has been shown to aggravate high blood pressure and hardening of the arteries and chronic lung disorders of all kinds, persons with heart and lung disease are often advised to cut down on their smoking or to stop altogether From YOUR GUIDE TO GOOD HEALTH, Metropolitan Life Insurance Company, 36 pages, 1966** The evolution of medical underwriting in life insurance Excerpt of an article by Naheed Kheraj In The Proceedings of the 16th Annual History of Medicine Days, March 30th and 31st, 2007 Health Sciences Centre, Calgary, Alberta, Canada The concept of insurance as a way of spreading the risk of financial loss over many individuals has existed for thousands of years

You want to keep your letter brief no more than a page and stick to the facts

"The most effective treatment is of course to stop smoking altogether