According to the Foundation for a Smokefree America, smoking is the single most preventable cause of death and disease causing more fatalities than cocaine, auto accidents, AIDS, alcohol, heroin, fire, suicide and homicide combined.
 

Life insurance-linked wellness programs were first developed more than 20 years ago, and insurer interest in these programs has continued to grow ever since. Nevertheless, all these years and seemingly countless program launches later, the industry has yet to fully realize the potential of wellness initiatives. 

Incorporating a health exam into the life insurance application process helps insurers identify unknown or undiagnosed conditions in applicants. And the best tool for measuring cholesterol is a blood test with a lipoprotein profile.