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PMI reduced-risk claims and upselling of IQOS via Reviti life insurance
  1. Judith J Prochaska,
  2. Lisa Henriksen
  1. Stanford Prevention Research Center, Department of Medicine, Stanford University, Stanford, California, USA
  1. Correspondence to Dr Judith J Prochaska, School of Medicine, Stanford Prevention Research Center, Stanford, CA 94305-5411, USA; JPro{at}stanford.edu

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Reviti Limited, a wholly owned subsidiary of Philip Morris International (PMI), incorporated 5 July 2018, sells life insurance in the UK, with plans to expand into other markets.1 Incentivising smokers to switch to PMI’s heated tobacco product IQOS, Reviti generated media attention.1 2 The advertised discounts on Reviti’s premiums average 50% for smokers who quit tobacco and nicotine altogether for over a year, 25% for smokers who switch to IQOS for >3 months, and 2.5% for those who use e-cigarettes. The relative discounts on premiums imply that switching to IQOS is 10 times healthier than using e-cigarettes. Further, Reviti offers the e-cigarette discount only at policy inception, with no switching incentive; and notably omits a discount for nicotine replacement therapies. Reviti’s website claims IQOS is the only available ‘science-backed smoke-free alternative’ (figure 1). Unacknowledged is that the evidence for IQOS derives exclusively from PMI-funded research, and that the company’s human studies fail to show consistently lower levels of some toxins for IQOS relative to conventional cigarettes.3 4

Figure 1

Reviti's upsell of IQOS as the only science-backed smoke-free alternative.

IQOS is sold in >40 countries and banned in Australia, Hong Kong, …

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