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Barnett Waddingham
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Blog: Archive

Does smoking affect mortality improvements?

Smoking kills. No surprises there. It has also been recognised in the pricing of term insurance in the UK since the early 1980s and more recently in annuity pricing. But what do we know about the impact of smoking on mortality improvements?

Mortality improvements by cause of death

After many years of rapid mortality improvements in the UK population, 2012 and 2013 saw significantly lower gains.

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