Tobacco Underwriting 30 Years Out: Miles to Go

Hank's article in NAILBA's Perspectives says if there is a definable subpopulation freely opting to hike their odds of early demise, this is cigarette smokers. Therefore, it made consummate good sense when several proactive insurers began offering “cigarette smoker vs. all others” pricing, sorting residents of Marlboro Country into a separate, higher premium risk class. (Article begins on p. 36.)

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