Underwriting smoking

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We were musing the other day about how to deal with smoking, pondering matters like: If an applicant says he or she smokes x cigarettes a day, can you believe that? How do you deal with cigar and pipe smoking? Should you ask about inhaling? How much does size of cigar count – for example cheroot or cigarillo versus fat Romeo y Julieta? What about ‘rolling your own’ (possibly a mainly British working class thing)? And what is the equivalent in loose tobacco (for pipes and ‘roll-ups’) of a pack of 20 cigarettes? Of course some brands of cigarette are…

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The best underwriting process in the world?

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Nowhere in the world is the underwriting process as sophisticated as it is in North America. Nowhere else are underwriting decisions based:   So frequently on laboratory analysis of blood, urine and oral fluid Routinely on modern assays such NT pro-BNP On MIB information – the MIB is unique, certainly as regards the level and detail of information On MVR information – these databases are unique On Rx databases – again unique So frequently on tele-interviews.   And nowhere else do vendors offer such a wide range of integrated services – tele-interviews, medicals and paramedicals, large-scale, rapid-turnaround lab testing, APS…

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