What question did this study set out to answer?

To analyze how the rise of alternative nicotine products affects traditional smoker definitions and risk classifications in insurance.

The Smoking Dilemma: A Technical Deep Dive

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Examines the impact of alternative nicotine products on smoker classification and risk assessment in insurance.

To analyze how the rise of alternative nicotine products affects traditional smoker definitions and risk classifications in insurance.
Analyzed trends in cigarette smoking and alternative nicotine product usage in the U.S. and Europe.
Explored the impact of evolving cannabis legislation on nicotine consumption patterns.
Evaluated clinical versus insurance definitions of smokers regarding risk exposure.
Cigarette smoking is declining while e-cigarettes and other nicotine products are becoming more popular.
Traditional smoker classifications used in insurance are inadequate due to the rise of non-combustible products.
Alternative nicotine products present a medium risk, necessitating a nuanced underwriting approach.

Reyes-Cancino et al. (2026) studied this question.

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