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Conclusion In conclusion, while the prevalence of smoking has decreased in recent years, tobacco use remains a significant factor in life insurance underwriting

We are inhaling cancer-causing particles with every inhale from a cigarette

In New York City alone, after only one year of the Tobacco 21 policy being implemented, past 30-day smoking rates among high school students fell from 8.2 percent in 2013 to 5.8 percent in 2015a reduction of nearly 30 percent

Guaranteed issue life insurance may be offered as whole life, term life or universal life

Previous studies have established a significant relationship between nicotine use and depression