Question by jonesanthonyaj: Have you had adverse affects and how many cigarettes?
If you have had any adverse side affects, when did they happen and how many years had you been smoking? I believe that the insurance companies make a big deal off of the age of 35. If you smoke and are over 35 they drastically inxcrease their rates.
Answer by Larry C
I know people younger than you that have serious lung disease caused by smoking, other people can reach old age and still smoke heavy. There is no rules, the insurance companies weigh up the odds like a bookmaker, if you smoke the chances of it doing you harm are great.
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