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Or - don’t smoke?

• Zenst 7y ago
  Exactly, but for those that do pursue such activities, that would be the prudent approach. Though I wouldn't count it as a pension plan as some may well do :/. Though if you ever do get a pension annuity plan, apparently smoking whilst you fill out the form and filling in that aspect, does get you more money and one of those area's that could be classed as gaming the system. Why that is - well, they expect you to die sooner, hence you get a better rate compared to somebody who their actuaries expect to live say 20 years longer and curtail paying out more over a longer period. Also one of those exceptions in which bad health, or perceived bad health works in your favour.