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Noels, E., Hollestein, L., Luijkx, K., Louwman, M., de Uyl-de Groot, C., van den Bos, R., van der Veldt, A., Grunhagen, D., & Wakkee, M

During this past year, the former Secretary of HEW, Joseph Califano, wrote Allstate Life Insurance Company (and, we believe, most major life insurance companies) inquiring whether-or not we recognized the lower mortality rate of non-smokers in our pricing structure of personal life insurance

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As a result, individuals involved in the sale of cigarettes and alcohol were presented with additional tax obligations