Reviti Life Insurer - Discount For E-cigarette Smokers

Last April’s launch of UK life insurer Reviti, a wholly owned subsidiary of Philip Morris International, marks a new milestone of absurdity in the story arc of the tobacco industry.

People who switched to e-cigarettes would be offered a 2.5% discount on Reviti insurance premiums. Those switching to Philip Morris’ heated tobacco product iQOS would receive a 25% discount. Those who quit smoking for at least a year would receive a discount of 50%. Reviti is already talking about expanding beyond the UK market.

Who knew that one day we would see a cigarette company selling life insurance?

It was 25 years and one month ago, on April 14, 1994, that the presidents and CEOs of the seven largest American tobacco companies were summoned to face the United States Congress. The president and chief executive of Philip Morris at the time, William I. Campbell, was one of them.

Despite more than six hours of questioning, the top tobacco executives refused to admit that they knew cigarettes were addictive. All seven men stated under oath that they did not believe nicotine was addictive.

Targeting young people is a time-proven business strategy, especially when dealing with nicotine or sugar addiction. To quote a Philip Morris memo from 1981, “today’s teenager is tomorrow’s potential regular customer.”

The tobacco industry has had a well-documented history of targeting young people for its products, especially in large developing markets such as China and Indonesia. In these countries, rather than following the global trend of decreasing numbers of new smokers and more people quitting, the number of young smokers has instead been on the increase.

Almost 70% of Indonesian males smoke (one of the highest adult male smoking rates in the world), including 41% of youths between 13 and 15 years old. Twenty percent of adolescents first tried cigarettes before the age of 10. Packaged as a symbol of liberation, the industry is now targeting young Indonesian women.

In China, where a third of the population light up, 6.4% of youths smoke tobacco. More young men are becoming new smokers while women are increasingly either quitting or not taking up smoking altogether.

Which is why we should be concerned when Philip Morris and others like it are aggressively introducing e-cigarettes into Malaysia. Fundamental to the success of these products are new or existing young smokers.

E-cigarettes range from heat-not-burn (HNB) cigarettes to heating a liquid containing nicotine, propylene glycol, glycerine and flavoring, resulting in a vapor or aerosol (vaping).

The long-term health effects due to the heating of these chemicals and the toxins produced are still unknown.

Findings from the Tobacco and E-cigarette Survey among Malay­sian Adolescents 2016 (Tecma) have resonated and caused concern among many public health professionals: 36.9% of students start using e-cigarettes between the ages of 14 and 15; and more young women are experimenting with e-cigarettes for the first time compared to conventional cigarettes which are viewed negatively.

Because of their form factor, which is often sleek and sophisticated (looking like cool USB drives or glowing pens), coupled with messaging claiming that smoking e-cigarettes is healthier than smoking tobacco, these devices appear to be deliberately designed to attract and appeal to young users.

A recent China Press report found that Standard 6 students in Seberang Perai were using vape devices supposedly smoking fruit-flavored vape juice. How­ever, it would be almost impossible to tell whether said juice had nicotine without testing it.

A common concern regarding e-cigarettes is the possibility of a “gateway” effect where users eventually end up developing a nicotine addiction and taking up smoking tobacco anyway.

The tobacco industry has touted heat-not-burn tobacco products such as iQOS (Philip Morris), Juul (Pax) and Glo (British American Tobacco) as allegedly safer alternatives to cigarettes and as a harm reduction approach to smoking.

What is actually happening is that the industry is simply switching one nicotine delivery device with another.

There is little evidence that offering life insurance discounts to those who switch to other tobacco products or to those who quit would incentivise smokers to kick the habit. It’s just absurd and doesn’t make sense.

Neither does allowing e-cigarettes into Malaysia when countries like Singapore and Thailand have taken a harm restrictive approach and banned them outright. What message are we sending?

If we must admit e-cigarettes into the country, they must be regulated as strictly as conventional cigarettes and imposed with similar duties. It could also be deemed as a prescriptive device.

We must also close the legislative loopholes which have allowed 12-year-old children to have access to these devices.

We need to maintain our focus in working towards the creation of a tobacco-free nation.