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As per the National Family Health Survey (NFHS) by the Government of India, the use of all tobacco forms were higher in rural areas than in urban areas while smoking was more common in urban areas

While this drops the net premium dramatically in both scenarios, it would now cost them 74% more if they check off the "smoker" box than if they don't, because that extra $61/month is applied no matter what their income is

Sahar et al

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The universe of funds we examined was restricted to equity and balanced portfolios with at least 40% of assets in direct stock holdings, offered as open-end mutual funds or ETFs, and domiciled in the U.S