{"id":22222,"date":"2020-08-04T14:53:09","date_gmt":"2020-08-04T18:53:09","guid":{"rendered":"http:\/\/www.tasteyourjuice.com\/wordpress\/?p=22222"},"modified":"2020-08-04T14:53:09","modified_gmt":"2020-08-04T18:53:09","slug":"vaping-news-insurance-underwriting","status":"publish","type":"post","link":"https:\/\/www.tasteyourjuice.com\/wordpress\/archives\/22222","title":{"rendered":"VAPING NEWS: INSURANCE UNDERWRITING"},"content":{"rendered":"<p><span data-offset-key=\"fh2cv-0-0\">&#8220;The IFoA E-cigarettes Working Party was set up to try to answer how the industry should approach pricing and underwriting for e-cigarette users. To understand the risks of e-cigarettes we needed to consider a few key points: How to satisfactorily underwrite to differentiate between types of smokers \u2013 smokers, ex-smokers, dual-users, never smokers. Ideally, we need data that is split by the different types of e-cigarette users \u2013 most notably dual-use (e-cigarettes alongside tobacco) versus ex-smokers who are using e-cigarettes to help them quit. This becomes a complex problem when we further allow for factors such as \u2018proportion of e-cigarette vs tobacco usage\u2019 in dual-users, or \u2018period since quitting tobacco use\u2019 for ex-smokers. If we are to potentially charge less for e-cigarette users, it\u2019s essential to be able to accurately identify what types of cigarettes are used. There seems to be a growing consensus among medical experts that the risk will be lower than the risk associated with traditional tobacco use. Some medical experts we have consulted were initially quite wary but have joined the \u2018positive camp\u2019 recently.&#8221;<\/span><\/p>\n<p>ARTICLE LINK:<\/p>\n<p><a href=\"https:\/\/www.theactuary.com\/features\/2020\/08\/05\/smoke-signals-risk-profile-e-cigarette-users\" target=\"_blank\" rel=\"noopener noreferrer\">Smoke signals: The risk profile of e-cigarette users<\/a><\/p>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - https:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"https:\/\/www.hupso.com\/share\/\"><img decoding=\"async\" src=\"https:\/\/static.hupso.com\/share\/buttons\/dot.png\" style=\"border:0px; padding-top: 5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Reddit\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"medium\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"VAPING%20NEWS%3A%20INSURANCE%20UNDERWRITING\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>&#8220;The IFoA E-cigarettes Working Party was set up to try to answer how the industry should approach pricing and underwriting for e-cigarette users. To understand&#8230;<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[147],"tags":[],"class_list":["post-22222","post","type-post","status-publish","format-standard","hentry","category-vaping-news","wpcat-147-id"],"_links":{"self":[{"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/posts\/22222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/comments?post=22222"}],"version-history":[{"count":1,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/posts\/22222\/revisions"}],"predecessor-version":[{"id":22223,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/posts\/22222\/revisions\/22223"}],"wp:attachment":[{"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/media?parent=22222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/categories?post=22222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tasteyourjuice.com\/wordpress\/wp-json\/wp\/v2\/tags?post=22222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}