The debate regarding marijuana use and its legalization rages on with little hope that the smoke will clear any time soon. Marijuana, or cannabis – its internat ional and scientific name – is the third most popular recreational drug in America, after alcohol and nicotinecontaining products. As such, it presents a multitude of underwriting challenges.
Obesity is both preventable and reversible. But for those whose weight has spiralled out of control into severe obesity, controlling it and losing it through diet and exercise alone often proves ineffective.
With decades of underwriting experience to research, the author reviews some of the criteria commonly used to try to answer the question: “We have done well in the past, but could the industry use its criteria to make risk selection more effective?”