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?
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.
Industry Survey Insights: The Impact of Tobacco, Alcohol, and Drug Use on Anti-Selection
A recently commissioned study by Hank George, Inc. surveyed 110 direct-writing U.S. and Canadian life insurance carriers on fully underwritten businesses. The survey covered a variety of tobacco, alcohol, and drug use topics*. ExamOne asked consultant and former risk management director at Allstate Financial, Eric Hjerpe, to outline and expand upon some of the findings and trends he extracted from the survey results.
Tobacco and Alcohol Underwriting in North America
We recently completed a survey of US and Canadian life insurers asking about underwriting practices and perceptions related to assessing tobacco/nicotine, alcohol and drug use. Over 100 carriers participated.
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.
Weed Users Avoid Smoker Penalties at 29% of U.S. Life Insurers
Marijuana users, who can now buy weed without fear of arrest in some U.S. states, can also get life insurance without facing a smoker penalty -- if they shop carefully.
Cigar Smoking Poses Much the Same Danger As Cigarettes
Smoking cigars carries the same health risks as smoking cigarettes, according to a new review published online April 24 in BMC Public Health.
Shisha – the practice of smoking tobacco or non-tobacco alternatives in waterpipes – is becoming increasingly popular worldwide. Mr Devesh Anand of RGA Reinsurance Company Middle East Limited looks into the health risks of shisha and the underwriting considerations involved.