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LastExamTaker 09-16-2019 03:57 PM

Tobacco use
 
Does any one have a link to public info on what % of INSURED population, industry wide, use tobacco?

Steve Grondin 09-16-2019 10:47 PM

Probably the closest thing you will get to this are SOA experience studies.

Numbers Nerd 09-18-2019 03:02 PM

Quote:

Originally Posted by Steve Grondin (Post 9712574)
Probably the closest thing you will get to this are SOA experience studies.

Strongly agree. These studies are tremendous sources of data, especially the pivot tables.

https://www.soa.org/research/topics/...xp-study-list/

Dr T Non-Fan 09-18-2019 03:07 PM

Wild guess: 15%.

After checking the CDC: I'd like to amend my guess to 14% of adults.

Not sure how much the insured population would differ from that. I'm guessing lower. Since life insurance is priced with smoker risks included, then (assuming no subsidization by the non-smokers) insurers are going to be indifferent to the actual utilization rate.

Maine-iac 09-19-2019 09:39 AM

According to this, from the CDC, smoking frequency drops as income increases, and I suspect likelihood of being in the insured population increases with income . .

https://www.cdc.gov/tobacco/campaign...ed-states.html


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