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In 1998, after 46 states filed suit against the tobacco industry to recover costs for tobacco related illnesses, major tobacco companies and states settled in the $206 billion Master Settlement Agreement (MSA) (CDC website)

Take a look at the difference in prices: Monthly Rates for a 20-Year Term Policy for $250,000 ...and just remember, the rates shown for the preferred tobacco classification are the very best in that category (apply with wrong company that really dislikes tobacco use and that rate could be much higher than shown)

But now experts tell us that this illicit trade is harming people's trust in authority - and, at a basic level, their sense of fairness

Whether that claim holds up in future research could decide if people can legally use e-cigarettes in public settings