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This is one of the clearest non-smoker rate opportunities in the tobacco underwriting market, because the actuarial risk profile associated with smokeless tobacco is genuinely different from that of daily cigarette smoking, and a meaningful portion of the carrier market has updated its classification guidelines to reflect that distinction

After 10 years: Your risk of getting lung cancer is about half of what it was when you smoked

University of Waterloo, Canada

The substances a saliva drug test can detect depend on the test being used

To qualify for state replacement dollars, according to the bill, the local unit of government would have to be compliant with a state law designed to discourage cities and counties from raising property tax rates