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But keep in mind that it's fraud and the insurer could deny a life insurance claim, Kappers says, "We retain the right if fraud was committed to rescind coverage or deny any claim." And even if you quit smoking tomorrow, youll generally have to wait a while to see better life insurance rates

It typically begins in the adrenal glands but can also develop in various areas such as the head, neck, chest, abdomen, or spine

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"I've already talked to my children about smoking, and I do worry about their future," says Nowka, who was initially dismayed to find that in China, the shops sell cigarettes to everyone regardless of age, even to children