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Smoke Signals: How insurers can uncover hidden tobacco use in the digital age
By
  • Guizhou Hu
  • Taylor Pickett
  • Jacqueline Waas
  • Rosmery Cruz
Research and White Papers April 2025

As accelerated underwriting becomes more mainstream, insurers face challenges detecting undisclosed tobacco use. Three 69É«Ç鯬 studies explore the effectiveness of various digital underwriting evidences and behavioral science techniques in identifying non-disclosed tobac...

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69É«Ç鯬 produces a number of specialized publications featuring expert opinion and analysis. Explore our public collection or contact us for whitepapers, webinars, and other resources. 

ReFlections

Explore the industry's premier medical underwriting publication. 

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