[subterfuge]

I said smokers are huge insurance risks...did you read my post?

Uh, yes, I read your post and it said this:

Smokers aren’t great insurance risks.

So which is it? You've made a lot of posts on this thread so maybe you got mixed up.

[durasell]

Both statements mean the same thing — one is written in conversational style from the point of view of the insurance company.

The payout on smokers by insurance companies is greater than for non-smokers. Likewise, fat people tend to need more medical treatment and die younger than non-fat people.