Oral Health, Mortality, and Smoker Detection
Life insurers have long recognized the value of oral fluids for risk assessment through screening for HIV-1 and tobacco or drug use, but oral health itself is not routinely evaluated as part of the underwriting process.
Lifestyle-Related Behaviors and Mortality: A Comparison of Physical Inactivity and Smoking
Rates of diabetes, heart disease, respiratory disorders, certain cancers and other non-communicable diseases are increasing globally, and a growing body of evidence links lifestyle behaviors, such as physical inactivity, poor nutrition and smoking, to the increase.
Impaired Risk Review: Vaping
The call often comes in like this one: “My client does something called vaping. It’s not like smoking cigarettes—it’s much less toxic. He doesn’t do it that often. He can get a non-tobacco policy, right?” So, what is vaping? How toxic is it if at all? And can you get a non-tobacco policy?
The Vape Debate
Smoking cessation has been a large contributor to improving mortality over the past few decades and tobacco use, amongst adults and teens, is at an all-time low. However, the trend of vaping and e-cigarettes has exploded. What are the implications for insurers?
Smokeless Fuels the Tobacco Debate
Despite its dwindling popularity in many countries, smoking remains the leading preventable cause of illness and premature death in the world.
Cancer Deaths Fall to Lowest Rate in Decades as Smoking Declines
Fewer Americans are getting cancer, and more of those who do are surviving the disease, according to a new study.
UPDATE: Debunking the Myths: the Facts about Cotinine
This popular post from 2012 has been updated with recent research.
Why Hookah Pipes Aren’t a Healthier Way to Smoke
Many people incorrectly believe smoking this way is less harmful than using cigarettes, especially with non-tobacco products for use in hookah pipes often marketed as a “healthier” alternative to flavoured tobaccos. But this method of smoking itself poses significant health risk.
Close But No Cigar: E-Cigarette Users are Mostly Smokers Not Quitters
E-cigarettes, the tobacco-free devices that deliver nicotine in an aerosol vapor, appeal almost exclusively to current and recent smokers. Fewer than 1% of people who have never smoked use e-cigarettes.
New Life Insurance Product Provides Incentive for Cigarette Smokers to Quit
Sentry Life Insurance Company and the National Association of Insurance Marketers (NAIM) announced today a joint marketing agreement to offer Commit to Quit, a new term life insurance product designed specifically for cigarette smokers who want to live smoke-free.