Hodd

I’ll have to concede that smoking is more dangerous to health as demonstrated by any life/medical insurance broker. I fully declared my drinking history on a life insurance policy (my
GP had all the details so if I died, it’d be revealed anyway), and after me and my GP giving a whole load of info, it made absolutely no difference to the premium. Smoking, meanwhile, seems to affect any sort of similar policy.

I’m curious about one point. Every country has a so-called healthy limit for alcohol. As you say, the UK’s figure is 14 units a week. You mentioned it’s political as opposed to medical. I naively thought the 14 units was based on research and figures of cancer cases. I’m not disputing what you’ve written at all, I’m just curious of the background to how this figure was derived. I know it’s been changed a few times and was higher for men previously.