Smoking, cancer—and life insurance

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New virtual exhibit looks at the life insurance industry’s complex history with tobacco

In a new online exhibition, The University of Alabama Center for the Study of Tobacco and Society examines the complicated relationship between life insurance and smoking. 

The life insurance industry’s long, strange silence about smoking and cancer 
By The Center for the Study of Tobacco and Society, Sept. 13, 2024

For nearly four decades from the mid-1920s to the early-1960s, the Metropolitan Life Insurance Company conducted a vigorous health promotion campaign in popular magazines to educate the public about preventing or reducing the risk for numerous diseases, including cancers, heart disease, diabetes, arthritis, obesity, anxiety, pneumonia, tuberculosis, and even syphilis. Yet in spite of the growing evidence implicating cigarette smoking as a major cause of the rise in lung cancer — and actuarial evidence by the 1950s of a significant difference in longevity between smokers and non-smokers — there was no mention of smoking in any of the company’s frequent ads and pamphlets on the facts about cancer.

Not until after publication of the Surgeon General’s Report on smoking and health in January 1964 did the insurance industry provide an incentive to lower the cost of life insurance premiums, led by State Mutual of Massachusetts, which offered the first nationally promoted non-smoker’s discount.

Read more on the Cancer History Project

Related articles by the Center for the Study of Tobacco and Society

Illustration of a smoking man sitting on a couch with his family. Text reads: "At my death, I know the family will receive some ready cash from the PHILIP MORRIS Life Insurance Plan. I don’t have to worry about the premiums because my company pays these."
Section from Philip Morris Inc. employee benefits booklet, “The House That You Built.” 1953
Full page ad showing a photo of a man falling asleep with a lit cigarette and an illustration of a flaming figure on horseback; full text available on the exhibit page.
Advertisement by National Board of Fire Underwriters. LIFE Magazine, 1948
Full page ad showing an ostrich sticking its head in the ground; full text available on the exhibit page.
Advertisement by the Metropolitan Life Insurance Company. The National Geographic Magazine, 1927
A birthday candle in an ashtray on an ad for a non-smoker discount with State Mutual life insurance.
Advertisement by State Mutual of America for a new lower non-cigarette smoker rate for its Preferred Protector life insurance plan—the first of its kind. LIFE Magazine, 1964
Matchbook with the Metropolitan Life Insurance logo and the text, "Ask about the Metropolitan Family Protection Plan".
Promotional matchbook by the Metropolitan Life Insurance Company, c. 1930

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