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If an investigation reveals that the customer had failed to disclose alcohol or tobacco consumption habit, it could be treated as non-disclosure of a material fact, potentially leading to claim rejection or even policy cancellation, says Adarsh Agarwal, Appointed Actuary, Digit General Insurance

"But some people may experience acute irritation, coughing or asthma symptoms." The bigger concern, he said, is repeated exposure, especially in places with poor ventilation

Many people like the nostalgia, but the burn is inconsistent, the flavor is strong, and the nicotine hits hard

NOTES: 1980s US pressing

Currently, domestic sales top 1 trillion yen and they are sold in 16 countries and territories, such as Taiwan, South Korea and Russia