IFoA explores risks of e-cigarettes and their potential bearing on underwriting, claims and pricing
The e-cigarettes working party, initiated by the Institute & Faculty of Actuaries (IFoA) in July 2016, has issued a paper exploring the impact of e-cigarettes on life and health insurance in the UK titled ‘No smoke without fire?'. In the absence of long-term health data and studies directly measuring the mortality and morbidity of e-cigarettes, the research considers their more immediate health impact and compares them directly to the material output of tobacco products. While it does state...
‘Some limits seem excessive and totally unjustified’
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