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This page covers exactly what carriers test for, how each substance class is underwritten, and what to discloseand whento avoid a denial or policy rescission

B., Anderson, C

Staving off the rapid growth of smoking that many fear Africa could experience will therefore take more than just a willing, educated government it will also require advocacy from civil society and external funding

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Surgeon General fact sheet on tobacco-related health disparities notes that, despite declines in tobacco use, disparities persist across population groups, including higher tobacco use among people living in rural areas and in the South and Midwest

doi: 10.5334/aogh.3384