When Vince Neil heard that the band were in town, he invited them to a party at his house that had already been in progress for a couple of days
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This strategy, which they pursued for many years, enabled them to take in millions of dollars in premiums by selling billions of dollars worth of product-liability insurance, and to remain confident as they did so that asbestos claims and, therefore, underwriting losses could be kept to a minimum
But even after taking into account the cost savings from early deaths, smoking still costs society $2.20 a pack for such things as sick leave, life insurance outlays and medical care not paid by smokers
Many health insurance companies charge a higher premium for smokers, but they may also cover smoking cessation treatments