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Cigarette giant Philip Morris - the company behind Marlboro and Benson & Hedges - has been accused <br> <br> of using a life insurance scheme to tempt smokers to its highly profitable 'heated' tobacco products - <br> <br> rather than switch to potentially less dangerous alternatives.<br> <br> <br> <br> <br> <br> Philip Morris's insurance brand Reviti, which launched <br> <br> last month, offers smokers a 25 per cent discount on premiums for life cover <br> <br> if they switch to its IQOS heated tobacco device for three months.<br> <br> <br> <br> <br> <br> This is potentially less harmful than a traditional cigarette because <br> <br> the tobacco is heated but not burned, so an IQOS customer <br> <br> poses less risk to the insurer.<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> Changing habit: Smokers are turning to products such as the IQOS heated tobacco device<br> <br> <br> <br> But this discount is slashed to 2.5 per cent if the customer uses any brand of heated <br> <br> tobacco device other than Philip Morris's iqos one - http://wiki.kubik.li/index.php?title=Am_I_Weird_When_I_Say_That_Terea_Iqos_Thailand_Is_Useless .<br> <br> <br> <br> <br> <br> <br> <br> And if smokers switch to Philip Morris's e-cigarette or 'vape' device they are offered a similarly minuscule discount of 2.5 <br> <br> per cent - even though health experts claim vaping <br> <br> is less dangerous than inhaling heated tobacco <br> <br> vapour.<br> <br> <br> <br> Reviti does offer Britons a 50 per cent discount if they stop smoking altogether for a year, putting the price in line with standard <br> <br> non-smokers' life insurance.<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> RELATED ARTICLES<br> <br> <br> <br> Previous<br> <br> <br> <br> 1<br> <br> <br> <br> Next<br> <br> <br> <br> <br> <br> <br> <br> Shares in British tobacco giant Imperial Brands fall <br> <br> to a... I've just stopped smoking and want to get income protection...<br> <br> Saudi royals become the biggest losers as Uber goes in...<br> <br> STOCK WATCH: Is Vodafone set to call time on its £3.4bn...<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> Share this article<br> <br> <br> <br> Share<br> <br> <br> <br> 115 shares<br> <br> <br> <br> <br> <br> <br> <br> HOW THIS IS MONEY CAN HELP<br> <br> <br> <br> ‎What you need to know each week: Listen to the This is Money podcast<br> <br> <br> <br> <br> <br> <br> <br> A spokesman for Philip Morris, said the discounts were based on 'robust scientific data'.<br> <br> <br> <br> <br> <br> But public health experts told The Mail on Sunday that if Philip Morris based <br> <br> its discounts on science alone, the company would offer a bigger discount for vaping than heated tobacco, and would not favour its own brand over others.<br> <br> <br> <br> <br> <br> They said it was more likely that the company was putting profit before the health of its customers.<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> Philip Morris, the company behind Marlboro, said its IQOS <br> <br> customers are 'significantly more valuable' than cigarette smokers<br> <br> <br> <br> The Mail on Sunday can reveal that heated tobacco products earn manufacturers nearly three times as much profit as traditional cigarettes.<br> <br> Heated tobacco is also a more expensive way to smoke than vaping.<br> <br> Analysis based on average usage of 11 cigarettes a day <br> <br> showed that vaping using Philip Morris products costs about £2 a day compared with nearer £3.50 to use heated tobacco.<br> <br> <br> <br> <br> <br> <br> <br> Linda Bauld, professor of public health at the University <br> <br> of Edinburgh, said: 'From a health perspective, it doesn't <br> <br> make sense to offer a greater discount to clients who <br> <br> use heated tobacco than those who use e-cigarettes.<br> <br> <br> <br> <br> <br> 'We know vaping is far less harmful than smoking, [but] for heated <br> <br> tobacco we are far less sure.'<br> <br> <br> <br> Both heated tobacco and vaping devices are soaring in popularity as alternatives to <br> <br> cigarettes. The Royal College of Physicians estimates <br> <br> that using a vaping device poses just 5 per cent of the risk of a traditional cigarette.<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> There has been little independent research into <br> <br> the effects of heated tobacco, but medical experts pointed <br> <br> to a Public Health England report last year, which concluded that heated tobacco products 'may be more harmful than e-cigarettes'.<br> <br> <br> <br> <br> <br> An initial study by the University of St Andrews <br> <br> found heated tobacco had higher cancer-causing properties than e-cigarettes.<br> <br> And an analysis of Philip Morris's own data by one academic found heated tobacco to be 'not significantly different' from cigarettes in the harm it causes in the body.<br> <br> <br> <br> <br> <br> Professor Anna Gilmore, director of the Tobacco Control Research Group at the University of Bath, said: 'The idea that science underpins the far greater reduction in insurance premiums on heated tobacco <br> <br> products than on e-cigarettes is laughable. Despite the lack <br> <br> of evidence on long-term safety, the consensus is e-cigarettes will be <br> <br> considerably safer than heated tobacco products.<br> <br> <br> <br> <br> <br> 'Most of the science on heated tobacco products has been produced <br> <br> by tobacco companies - one would be foolish to <br> <br> trust it.'<br> <br> <br> <br> Philip Morris set up Reviti in April, saying it was <br> <br> part of efforts to move to a 'smoke-free future', <br> <br> as it wants to 'incentivise people to improve their lifestyles'.<br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> British American Tobacco, the maker of Dunhill, said that its gross margin on heated tobacco products is 2.8 times higher <br> <br> than cigarettes<br> <br> <br> <br> Research by The Mail on Sunday found a 50-year-old man who smoked would be charged £99.91 a month for £250,000 of life insurance cover with Reviti.<br> <br> <br> <br> <br> <br> A 50-year-old man who uses IQOS pays £75.24 a month for identical cover, but would have to pay £97.39 a <br> <br> month if he used a rival heated tobacco device or e-cigarettes.<br> <br> <br> <br> <br> <br> In a presentation to investors last year, Philip Morris said its IQOS customers are 'significantly more valuable' than cigarette smokers.<br> <br> <br> <br> <br> <br> British American Tobacco went further in a presentation in March, revealing that its gross <br> <br> margin on heated tobacco products is 2.8 times higher than cigarettes.<br> <br> <br> <br> <br> <br> Philip Morris's latest trading update said sales growth of its heated tobacco helped it increase its total tobacco <br> <br> shipments by 1.1 per cent year on year, despite global smoking rates <br> <br> being in decline.<br> <br> <br> <br> However, it did not disclose how heated tobacco's profitability compares with vaping <br> <br> devices.<br> <br> <br> <br> A Philip Morris spokesman said: 'It is important <br> <br> to keep in mind that both the qualitative and the quantitative composition of e-cigarette aerosols is greatly variable.<br> <br> This is why the risk profile of e-cigarettes and other non-combustible products must be assessed on a product- specific basis.'
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