Nicotine Pouches and Insurance Risk: Is Underwriting Ready for a Changing Nicotine Market?
Why Emerging Nicotine Products Are Creating New Questions for Insurers The nicotine marketplace has changed dramatically over the past decade. Traditionally, insurance underwriting relied on a relatively simple distinction: applicants were generally classified as either smokers or non-smokers. This approach reflected decades of evidence demonstrating the substantial health risks associated with combustible tobacco use and…




