Nicotine Risk Insurance Pricing: What Reinsurers Say
September 28, 2026 by tobaccoharmreduction.net
Nicotine Risk Insurance Pricing: What Reinsurers Say
Insurance pricing can reveal how poorly nicotine risk is understood. Treating every nicotine user like a smoker ignores the difference between combustible tobacco and smoke-free alternatives such as pouches, snus or vaping. That matters because premiums can punish people who have reduced their risk by leaving cigarettes behind. A fairer approach would price risk according to evidence, exposure and product type — not according to nicotine use alone.
14.10% of the adult population are current smokers. There are approximately 39.8 million current smokers in United States 17.10% of men are current smokers but only 11.10% of women.
SOURCE: GSTHR
