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Old 09-16-2019, 03:57 PM
LastExamTaker LastExamTaker is offline
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Default Tobacco use

Does any one have a link to public info on what % of INSURED population, industry wide, use tobacco?
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Old 09-16-2019, 10:47 PM
Steve Grondin Steve Grondin is offline
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Probably the closest thing you will get to this are SOA experience studies.
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Old 09-18-2019, 03:02 PM
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Quote:
Originally Posted by Steve Grondin View Post
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/
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Old 09-18-2019, 03:07 PM
Dr T Non-Fan Dr T Non-Fan is offline
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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.
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Old 09-19-2019, 09:39 AM
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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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