| The employee commited fraud to get a lower rate than they are offered.
The company gets better rates because they take on the responsibility of asking who smokes and who doesn't. If they dont' do that then the insurance company raises everyone's rates.
Fraud is illegal.
__________________ "...to those Americans whose support I have yet to earn, I may not have won your vote tonight, but I hear your voices. I need your help. And I will be your president, too." -President Barack Obama
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