PACK YEARS (PY) An (Easy) Enhancement of Cigarette Use Underwriting

Hank's new article on the value of using 'pack-years' in how we underwriting smokers is now posted at http://cholhua.org/guestwriterspublic.html the website of the Chicago Home Office Life and Health Underwriters Association. We invite you to read this article and welcome your feedback on what Hank recommends.