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Jun 3, 2009 05:00 PM | 68
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Health and life insurance companies in the U.S. and abroad have nearly $4.5 billion invested in tobacco stocks, according to Harvard doctors.
“It’s the combined taxidermist and veterinarian approach: either way you get your dog back,” says David Himmelstein, an internist at the Harvard Medical School and co-author of a letter published in this week’s issue of the New England Journal of Medicine.
The largest tobacco investor on the list, the 160-year old Prudential company with branches in the U.S. and the U.K., has more than $1.5 billion invested in tobacco stocks. The runner-up was Toronto-based Sun Life Financial, which apparently holds over $1 billion in Philip Morris (Altria) and other tobacco stocks. In total, seven companies that sell life, health, disability, or long-term care insurance, have major holdings in tobacco stock.
Why is it a big deal? “If you own a billion dollars [of tobacco stock], then you don’t want to see it go down,” says Himmelstein, “You are less likely to join anti-tobacco coalitions, endorse anti-tobacco legislation, basically, anything most health companies would want to participate in.”
The letter is the third report that the doctors—who all support a national health care program—have published in the last 14 years.
We decided to check in with some of the insurance companies mentioned in the letter to learn more about their policies with respect to tobacco stock. Prudential was unable to respond by press time. Sun Life, however, flatly denied the charges.
“Sun Life does not carry significant holdings in tobacco stocks,” says representative Steve Kee, “We do not disclose specific holdings and, for good measure, we conducted a review further to your inquiry and our exposure to ‘tobacco’ stocks is less than 0.005 percent [about $5 million] of the investment portfolio. Importantly, tobacco-related businesses can be part of a broader conglomerate involving other aspects such as food production.”
Himmelstein rechecked his numbers in the Osiris database, and said, “I fear that if Sun Life has a dispute, it is with Osiris not with us.”
In any event, the doctors’ persistence over the years seems to be working to some extent. They targeted MetLife and Cigna in their 1995 and 2000 letters to medical journals, but neither is listed in the latest reckoning, indicating that the insurers no longer hold enough to stock to be noted on filings for the U.S. Securities and Exchange Commission. In addition, a representative for Cigna says they currently have no direct holdings in tobacco stock unless it is part of an index fund.
But with $4.5 billion still invested in Big Tobacco, many insurers are reaping profits from a cancer-causing industry. As Himmelstein puts it, "Is this who we want running our health care system?"
Image of burning cigarette courtesy of SuperFantastic on Flickr
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68 Comments
Add CommentIts not just about making money from the stocks. People buy health insurance and pay high prices because disease exists. What better way to promote disease than tobacco.
Reply | Report Abuse | Link to thisIf tobacco related disease ceased to exist, your health insurance premium would reduce dramatically, not good for the insurance companies.
If health insurance companies invest in tobacco companies (and the question remains - this article certainly did not settle it), it is not because they want people to smoke - it is because they remain profitable by investing in other profitable companies. If they can't invest in profitable companies, health insurance premiums would rise.
Reply | Report Abuse | Link to thisCommentor "scientific earthling" says, "If tobacco related disease ceased to exist, your health insurance premium would reduce dramatically, not good for the insurance companies." That is not necessarily the case, it isn't logical, and I doubt that sci. ear. has any inside information to support his claim. The fact is, when service providers' costs decrease, their profits tend to rise.
Thank you for the information, but oh yuck. I think Himmelstein got it right with his “It’s the combined taxidermist and veterinarian approach: either way you get your dog back." Makes the term health insurers an oxymoron, sickness securities might be more accurate. And NO, I do NOT want these double dippers to be making health policy decisions.
Reply | Report Abuse | Link to thisMy father decided not to participate in the health insurance "game". He was a WW2 Vet who died of lung cancer. He was a heavy smoker starting in the service (they gave our service men packs of cigarettes as a kind of bonus). He hid his lung cancer from us until he couldn't care for our mother, a stroke survivor. He died three weeks after he called us to come and care for Mom. He died in his own home. He felt he "cheated" the doctors from making money on his cancer. Mom died in my home about a year later. I am on a disability pension. One of the providers dropped my health insurance coverage. At least I am not a smoker. I admire the courage of both my parents not to buy into the multi-billion dollar health insurance industry.
Reply | Report Abuse | Link to this@psyrusa this article clears up weather health insurance companies invest in tobacco producing companies
Reply | Report Abuse | Link to thishttp://www.harvardscience.harvard.edu/culture-society/articles/health-life-insurers-hold-billions-tobacco-stocks
This is a case of conflict of interests
The reason insurance companies invest in tobacco is because they're profitable. The minute this is no longer true, insurance companies will find some other stock to replace it.
Reply | Report Abuse | Link to thisThey're in it for one thing, and one thing only: Money. They don't care about our health, they don't care about our sickness... only their own wallets.
jh443, good point, you are right, they don't care about our health OR our sickness.
Reply | Report Abuse | Link to thisI think so ,, that company only take care money no others , but CEO and corporation manager has friend or relatives just like us ,so I think that it will do harm to themselves
Reply | Report Abuse | Link to thisWe are all going to die and doing so is rarely cheap. So whether you get lung cancer, some other cancer, heart disease, diabetes or something else, many if not most of us will not go cheaply. And there is absolutely nothing wrong with companies making money (my 401K and hence I am counting on that aspect of a "company"). Who among us doesn't try to get the most out of their money? And how many of the posters that seem to think companies making money is somehow bad but at the same time have no problem getting paid for their own work? Are you not a "company of one"? Oh and politicians make public policy, not companies. You don't like the "health care policy"? Quit sending the same politicians back to DC decade after decade. And Iahmad - quit killing innocent civilians, quit attacking our country and people and for goodness sake, quit cutting people's heads off and laughing about it. No American tested "huge bombs" on a Mulsim country before we were attacked a number of times over the course of more than a decade.
Reply | Report Abuse | Link to thisSo, the big insurance companies are hypocrites? Hmmm... who woulda thought?
Reply | Report Abuse | Link to thisthe problem is that these companies decide which prescriptions they will cover, and they DON'T cover the most effective meds to help smoking cessation!
Reply | Report Abuse | Link to thisDr Doug Behrman
Why is this so surprising?? Business operates on two rules: 1. maximize revenues and 2. minimize expenditures. If there is money to be made in making people sick then what "revenue producing" strategy will they pursue?
Reply | Report Abuse | Link to thisIn life there are two rules: survive and reproduce; in business there are two rules: maximize revenues and minimize expenditures. Why is it surprising that if making people sick produces revenues, there are companies pursuing this strategy?
Reply | Report Abuse | Link to thisInsurance profits and losses on the business of insurance are based on actuarial science. They play the odds. The large amounts of capital made through winning bets with people who make bets hoping to lose must be invested to generate more capital. If insurance is to ever be more than the legally codified theft it currently is legislation and regulation requiring profits be returned to policy holders and not distributed to officers, insurance agents and share holders will be necessary.
Reply | Report Abuse | Link to thispuleeeeezze. $4.5 billion is a lot of money, but WHY did this article not compare it to the total portfolios of the insurance companies in question. Even the worst 'offender,' Prudential, only has 1/400 of their assets in tobacco stock. SO WHAT??? Now, if 25% or 50% of their portfolios were tobacco, maybe that would be a problem. 1/4 of 1 percent, for the biggest offender? Puleez.
Reply | Report Abuse | Link to thisArticles like this are unfair and misrepresent capitalism and corporate obligations! Many pensions support any viable business that can make the required ' % ' by the end of the year. Once money is in corporate hands, the bottom line is the only line that counts to those responsible for investment returns! Business is business! get off your high-horses and admit you have investments and you have little knowledge where the actual portion of your cash has gone! Stop America from producing land mines? Weapons? Guns? all legal and supported by our cash! Hidden in mutual funds, numbered companies, financial instruments and the like; We are all greedy and enjoy the highest standard of life in the world because the invented person called the "corporation" can be convicted, but never scared off by the death penalty - he cannot be killed, but can kill in our name with impunity - the American way! The big loop-hole, our only way to claiming moral high ground, and a crock of shvt, even the Chinese laugh at!
Reply | Report Abuse | Link to thisArticles like this are unfair and misrepresent capitalism and corporate obligations! Many pensions support any viable business that can make the required ' % ' by the end of the year. Once money is in corporate hands, the bottom line is the only line that counts to those responsible for investment returns! Business is business! get off your high-horses and admit you have investments and you have little knowledge where the actual portion of your cash has gone! Stop America from producing land mines? Weapons? Guns? all legal and supported by our cash! Hidden in mutual funds, numbered companies, financial instruments and the like, we are all greedy and enjoy the highest standard of life in the world because the invented person called the "corporation" can be convicted, but never scared off by the death penalty - he cannot be killed, but can kill in our name with impunity - the American way! The big loop-hole, our only way to claiming moral high ground, and a crock of shvt, even the Chinese laugh at! see Geithner's reception at Bieging U.
Reply | Report Abuse | Link to thisYes we all have to die, but health care costs continue to rise because of the commercialization of what should be a basic right. Unlike all the other goods which people use there are no alternatives to life. The slogan of the highway robbers of all was: "Your money or your life." How is the commercial approach to human survival any different? This attitude of profits before prescription comes out of this single instance of capitalism gone amok.
Reply | Report Abuse | Link to thisGood article, have to agree that the bottom line is money. Every thinking person feels that there is a cure for cancer but why give it to the public, What would happen to insurance and clinics, blood banks,the medical industry would go belly up. Would they allow this to happen I think not. The last cure was the Salk vaccine and was given away free. Fifty five years ago or more have not had a cure since. WHY?
Reply | Report Abuse | Link to thisMy father tried to quit smoking when he was in his mid 60s, having smoked daily since he was 16. He saw a Respiratory Therapist who told him that if he quit smoking he would die. Why? Because if he quit smoking he'd stop coughing so much and if he quit coughing he would not be expelling junk from his lungs and he would suffocate. How accurate was the diagnosis? I do not know but I mention it here to show that there are individual circumstances (such as lifetime smokers) where quitting smoking does not necessarily make sense, and by extension making a complete exile of the whole tobacco industry might be too drastic a move even among those who, at face value, seem like strange bedfellows.
Reply | Report Abuse | Link to thisThis article brings to mind a study I read a while back about the true cost of tobacco related health issues.
Reply | Report Abuse | Link to thisBefore the study was conducted, it was widely assumed that smokers were driving up the cost of health care for everyone. In reality, smokers cost less to insure (and treat) because they die much sooner than non-smokers.
If it is true that the bottom line trumps all, it seems investing in tobacco is a good move for an insurance company. They can profit from the sale of the product and reduce costs by reducing the life span of those they insure.
I talked to a former health insurance salesman about this. He said the reason for this is because smokers--and I'm a smoker--die quicker from their illnesses than nonsmokers, who tend to die slow, dragging out insurance costs and payouts. So smokers pay the full premium and then take out less of the money because they die quicker.
Reply | Report Abuse | Link to thisI talked to a former health insurance salesman about this. He said the reason for this is because smokers--and I'm a smoker--die quicker from their illnesses than nonsmokers, who tend to die slow, dragging out insurance costs and payouts. So smokers pay the full premium and then take out less of the money because they die quicker.
Reply | Report Abuse | Link to thisMaking money is not EVIL - no matter what the socialists think.
Reply | Report Abuse | Link to thisIs it really surprising that insurance companies care more about profits than health? Insurance is a profit-focussed industry, and it's one of the most profitable (historically) in the world. I generally tend to expect some walking-the-line ethical wheeling and dealing from large corporate entities.
Reply | Report Abuse | Link to thisOn the other hand, investing in a 'cancer-causing industry' is another questionable statement - it is true that excessive tobacco use leads to all kinds of illness and mortality, but isn't the same true for fat, sugar, alcohol, caffeine, and dozens of other things? I know that tobacco is the current b�te noir of the health-conscious world, but not so long ago it was alcohol, and it looks lie pretty soon it will be something food related. Will we expect insurance companies to cancel their investments in sugary foods and beverages? In other companies who sell 'unhealthy' items?
I'm just sayin'. It's a slippery slope...
Coop insurance. Why doesn't someone do it?
Reply | Report Abuse | Link to thisMy health insurance does not cover prescriptions for stop smoking aids. I was told by the rep on the phone that since most smoking related health problems occur after retirement age and the work supplied insurance is no longer in effect they don' t provide coverage.
Reply | Report Abuse | Link to thisI wonder if those companies also invest in alcohol stocks. Do they have automobile stocks? Car crashes cause trauma, too. Chemical Stocks? I bet a lot of things out there are carcinogens. Fast Food stocks? Heart Disease and Obesity kill far more people than tobacco. What CAN they invest in that is totally innocent??
Reply | Report Abuse | Link to thisThis just shows how bad Harvard has gotten. The doctors "all support a national healthcare program" so obviously they have their own biased agenda. Like one commenter said, it's "1/4 of 1 percent, for the biggest offender" -- this article is not news, it's promoting the professors' socialist agenda.
You forgot about AetNa( formally US Healthcare( or known by its insured's as
Reply | Report Abuse | Link to thisUseless Healthcare
We all need to take control of our own health! Isn't it ironic?
Reply | Report Abuse | Link to thishttp://www.time.com/time/photogallery/0,29307,1848212,00.html
"... This just shows how bad Harvard has gotten. The doctors "all support a national healthcare program" so obviously they have their own biased agenda. Like one commenter said, it's "1/4 of 1 percent, for the biggest offender" -- this article is not news, it's promoting the professors' socialist agenda."
Reply | Report Abuse | Link to thisAs it selects these types of articles to print, it would seem that Scientific American shares the political positions of these doctors.
Fear mongers, all of you. Oat cell (small cell) lung cancer is the only one associated with smoking, and it comprises 20% of lung cancers. The other 80% is comprised of the other lung cancers: large cell, squamous cell, and ..ummm.. I think epithelial cell. These are not associated with smoking, but other common environmental pollutants, or just the way it goes. I'm not saying smoking is something good, just that there is a lot of misinformation out there. And, it is true that investments are investments, and we all want ours to prosper. So do the insurance companies, so they can pay you when you do go in for your hernia repair.
Reply | Report Abuse | Link to thisI don't think *any* company should be profiting from health care. Doctors salaries should be paid and costs should be covered, of course. But putting money in the pockets of shareholders who have *nothing* to do with keeping us healthy is totally unnecessary.
Reply | Report Abuse | Link to thisA point that may have been overlooked is that most health insurance providers are also pension providers. If you get sick and die they get to pay out less pension perhaps?
Reply | Report Abuse | Link to thisThere are more people dying from alcohol-related disease and accidental deaths from intoxication than any cigarrette smoker has incurred. The fact is when a smoker enters a hospital, the smoking habit gets the blame for his heavy smoking, whereas alcohol is a contributor to chain-smoking.
Reply | Report Abuse | Link to thisI've smoked all my life and occaisonaly drank but found the effects of alcohol consumption drastically increased my smoking.
Funny to see - Everyone missing author's point.
Reply | Report Abuse | Link to thisRecap (for Dummies): Point author makes is extremely valid - Companies which invest a BILLION, folks, (not simple millions), are LESS LIKELY "to join anti-tobacco coalitions, endorse anti-tobacco legislation, basically, anything most health companies would want to participate in.
Get it now?
Dummies :)
Zusana:
Reply | Report Abuse | Link to thisYou are an advocate for Mutual company structures. We had a lot of them in Australia. I have always preferred them over other companies.
Problem is greed, members of mutuals are cheated by sneaky, deceitful, scoundrels to sell out. Most of our mutuals are now private companies, including our NSW motor association, and one of the chief scoundrels to benefit is the current leader of our opposition. Members lost billions.
I wish we could have more mutual companies. All our health care companies used to be mutuals. Not any more.
so, sun life has an investment portfolio of 10 billion dollars? bet they don't smoke there. . .
Reply | Report Abuse | Link to thisHi,
Reply | Report Abuse | Link to thisIt is humans greedynes that leads us into these situations. We should all let go of many of our present ways of living, it seems that we are forced into changing our habits. Our planet urges for a change. Good article despite of it making sad.
tommisun@gmail.com
Absolutely dead wrong. The overwhelming majority of lung cancers are associated with smoking. Of course, one one in eight smokers develops lung cancer, leaving the others to die from emphysema, heart attacks, strokes, and other tobacco-caused diseases.
Reply | Report Abuse | Link to thisMy father decided not to participate in the health insurance "game". He was a WW2 Vet who died of lung cancer. He was a heavy smoker starting in the service (they gave our service men packs of cigarettes as a kind of bonus). He hid his lung cancer from us until he couldn't care for our mother, a stroke survivor. He died three weeks after he called us to come and care for Mom
Reply | Report Abuse | Link to thishttp://yarismak.com
My father decided not to participate in the health insurance "game". He was a WW2 Vet who died of lung cancer. He was a heavy smoker starting in the service (they gave our service men packs of cigarettes as a kind of bonus). He hid his lung cancer from us until he couldn't care for our mother, a stroke survivor. He died three weeks after he called us to come and care for Mom. He died in his own home. He felt he "cheated" the doctors from making money on his cancer.
Reply | Report Abuse | Link to thishttp://yarismak.com
It really seems like the other thing these companies really care about is money. And only money. Don't these guys have souls?
Reply | Report Abuse | Link to this<a href="http://hypnosistoquitsmoking.com.au">Hypnosis to Quit Smoking</a>
It really seems like the other thing these companies really care about is money. And only money. Don't these guys have souls?
Reply | Report Abuse | Link to thisPaul
<a href="http://hypnosistoquitsmoking.com.au">Hypnosis to Quit Smoking</a>
A friend of mine just went to the doctor and got a prescription for Chantix to help him quit smoking. When he went to the pharmacy he was told not one cent of the cost was covered by Anthem because they consider smoking to be a "pleasurable" activity. So, $120 later he has the medication.
Reply | Report Abuse | Link to thisI do not believe it. Where is the proof?
Reply | Report Abuse | Link to thisMost Acne Solutions promise a miracle, but once you buy them, you are disappointed that they don't work as well as you thought. At Acne-Reviews, we look at what is in those acne treatment products that helps them clear your skin.
Reply | Report Abuse | Link to thishttp://www.acne-reviews.org/
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Reply | Report Abuse | Link to thisMost Acne Solutions promise a miracle, but once you buy them, you are disappointed that they
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Reply | Report Abuse | Link to thisYou know they invest in something that pays a hefty profit like obesity too. Or diseases related to smoking. They need a hand in every stack.
Reply | Report Abuse | Link to thisIf eliminating tobacco-related diseases reduced the insurance companies' costs by 20%, they would reduce the rates by 10%. So they would make more money. Let's all remember, these are for-profit companies. "If you wonder why something is he way it is, find out who's making money from it being that way."
Reply | Report Abuse | Link to thisWe all know how the world works, its capatalism and profit. There will always be only 2 ways to change the current "climate".
Reply | Report Abuse | Link to this1. A change at the top of the pyramid that propogates down because its enforced or
2. Change from the bottom up by the people.
3. Talking can change people, too much talking has opposite or no additional effect.
I for one have chosen the bottom up approach of not smoking and telling others its a filthy smelly habit and i wont be near people if they do it. And ill look down on them while quietly smiling as i watch them die.
But yes cancers will always be caused by nuclear activities and so i vote we should kill all Americans as well so there arent any nuclear wars. Got to be cruel to be kind to the rest of the world I say.
sangambayard-c-m.com
Reply | Report Abuse | Link to thisCancer caused by smoking is a painful and horrifying way to die. It not only strips the victim of their dignity it also scars surviving members of their families. How this issue can be reduced to one of profits is beneath humanity, the saying " money is the root of all evil " comes to mind. Thank goodness I have discovered Wiskick electronic cigarettes, a much healthier alternative to tobacco.Yet the governments of the western world look for any excuse to ban a product that could save millions of people a year from a terrible and premature death. I am disgusted.
Reply | Report Abuse | Link to thisCancer caused by smoking is a painful and horrifying way to die. It not only strips the victim of their dignity it also scars surviving members of their families. How this issue can be reduced to one of profits is beneath humanity, the saying " money is the root of all evil " comes to mind. Thank goodness I have discovered Wiskick electronic cigarettes, a much healthier alternative to tobacco.Yet the governments of the western world look for any excuse to ban a product that could save millions of people a year from a terrible and premature death. I am disgusted.
Reply | Report Abuse | Link to thisAnd ill look down on them while quietly smiling as i watch them die. (by m at 12:11 AM on 03/15/10)
Reply | Report Abuse | Link to thisWhat a piggish comment. --- But your honesty in revealing your true personality and lack of any basic goodness is sort of appreciated.
Side note...
Chantix works. For the cost of 2.5 cartons of cigarettes (about a months use) I was able to put them down... 4 1/2 months now.
I am not looking down on anyone. That is not a requirement to being a non-smoker thank God.
JH
This seems to be a crucial issue.
Reply | Report Abuse | Link to thisDo corporations care about humanity, or life on earth?
Actually, they are required by corporate law not to.
If that weren't enough, profits derive from
crises, conflict and catastrophe.
There are many examples of arguably intentional failures.
9/11, Katrina, Iraq, Reagan making ketchup a vegetable.
9/11 happened because Cheney told air defense to stand down-- after the first attacks.
Bush cut the levee maintenance budget by six million before Katrina hit.
Saving that six million cost thousands of lives and eighty billion.
Reagan's explanation for making ketchup a vegetable
was cutting budgets, but it brought fast food into school lunchrooms. Increased beef sales. Obesity epidemic?
Failures of oversight, science, and unethical budgetary choices,
along with short-term corporate priorities have caused many of the problems we must pay for today.
I don't believe sci am readers are any smarter than the general public. So it's not some big deal to figure out what went wrong and not repeat it. But in spite of the unheeded wise words of so many, these failures re-occur.
What else can one surmise?
"Money has no motherland.
Financiers know no patriotism, no decency, only gain."
--Napoleon Bonaparte
Its no wonder, when you are making billions why would you want to stop people from smoking after all its just another health risk, or so they say. I have some personal health tips about how to lead a healthy lifestyle in this fast paced, fast food and fast living society we live in. Visit www.HealthTips101.com
Reply | Report Abuse | Link to thisThanks for the info. i feel <a href="http://www.vaporking.org">electronic cigarette</a> is the all new alternative smoking solution that is taking the world by storm. Moreover electronic cigarette allows to smoke a vapor that is free of carbon monoxide.
Reply | Report Abuse | Link to thisHI
Reply | Report Abuse | Link to this“John, after our first meeting with you we knew you would do a great job as our wedding officiant, and you did! You brought both dignity and joy to this sacred moment. You helped make our wedding fun!” (Jim & Kathleen)................
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The above statement is seen to be contradictory. The situation is
Reply | Report Abuse | Link to thisvery critical and need an experience complainer to resolve it.
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The above statement is seen to be contradictory. The situation is
Reply | Report Abuse | Link to thisvery critical and need an experience complainer to resolve it.
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<a href="http://www.insurancelifemedical.com" rel="dofollow">Life Insurance</a>
The e cigarette sets itself apart from traditional smoking in a variety of ways. For instance, the electronic cigarette does not contain any tar or carbon monoxide because the vaporization process does not involve anything being burned and creating those byproducts. In fact, the vapor produced by the e cig is so passive that you are able to use the e cig anywhere, regardless of anti-smoking laws, because the vapor isn’t considered secondhand smoke. Home, the office, restaurants, the pub, and even airplanes— you can use your e cigarette practically anywhere. The vapor is also odorless, which means you and your surroundings will never smell like smoke and be offensive to other people.
Reply | Report Abuse | Link to thisActually investing in tobacco while selling life or health insurance may seem self-defeating, insurance firms have figured out ways to profit from both sides.The main reason i think that insurers exclude smokers from coverage or, more commonly, charge them higher premiums.
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Reply | Report Abuse | Link to thisMany companies have been buying stocks that cater to tobacco and cigarettes. However they do not disclose this information. I don’t find any reason behind doing this. At the end of the day, one who wishes to smoke will buy. Why do these companies have to act fake?
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Interesting Post.
Reply | Report Abuse | Link to thisBut my opionion is an other one...
Smoking is very dangerous for helth!!!
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