Would you buy life insurance from the Marlboro man? Tobacco giant branded 'twisted' for offering che

We all know that quitting smoking pays in more ways than one, offering substantial benefits to both your health and finances. 

But a new life insurance company called Reviti claims to take this further by cutting insurance premiums for smokers who switch to less damaging alternatives, or quit altogether. 

But there's a twist - the company is owned by Philip Morris, the tobacco giant behind Marlboro and Chesterfield cigarettes. 

The company has immediately come under fire from anti-tobacco campaigners, who have branded Reviti 'twisted', accusing Philip Morris of using it as a vehicle to market its new 'smoke free' tobacco devices. 

But motives aside, is what the company offers actually any good? And could smokers benefit from taking the deal? We take a look...
 

While Reviti's life insurance is available to people who have never smoked, it is mainly designed with smokers, vapers, and ex-smokers in mind. 

While those who've never smoked will get the cheapest premiums, those who use e-cigarettes will also receive a discount, of 2.5 per cent.