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As Sean O'Kane notes at The Verge, these classifications are based solely on the substances themselves, and do not take into account the environmental risk factors associated with some of them

"I love you, Kit Walker." He returned the smile, showing off his dimpled cheeks

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So if you dont smoke cigarettes (pipes and cigars are OK), Prudential is happy to reward you with substantially lower insurance premiums. Leading The pack in Nonsmokers DI. Advertisement by The Paul Revere Life Insurance Company for its reduced-rate DI [disability income insurance] for non-smokers Broker World June/July 1985 Paul Revere offers yet another innovation to the DI insurance industry: reduced rates for non-smokers Its other reason for non-smokers to breathe easy Early news reports about life insurance companies that offered a non-smokers discount Strange if True Article in TOBACCO, The International Weekly [tobacco industry trade journal] April 6, 1962 Reports are persistent but unsubstantiated that the Metropolitan Life Insurance Company is readying a blast against tobacco use and is preparing to offer reduced premiums to non-smokers