Underwriting smokers just got a lot more interesting. New research reveals that tobacco’s mortality is surprisingly durable and tenacious. Mortality is now shown to hover at 200% for years after a reported incidence of nicotine dependency, and smoking turns many common and manageable conditions into serious comorbidities with compounded mortality impact. The presenters will review nicotine usage trends and their impact on health. With this important clinical context, they will explain the latest smoker mortality findings, including the relative mortality impact on other health conditions. They’ll show you how to find real-world, fact-based evidence of nicotine dependence in clinical data so you can quickly categorize high-risk applicants and realize greater protective value from your risk-assessment methodologies.