A new study looks at critical illness rates and provides further insight into the risks of smoking. As reported in National Underwriter:
A 25-year-old male non-smoker has a 24% chance of having a critical illness before reaching age 65 — and a 25-year-old male smoker has a 49% chance of incurring such an illness, according to the American Association for Critical Illness Insurance.
Analysts at Milliman Inc., Seattle, included those figures in a national critical illness risk assessment study prepared for the AALTCI, Westlake Village, Calif.
The Milliman analysts used a definition of critical illness that includes heart attacks, strokes, and life-threatening occurrences of cancer.