Hughes, J
In addition to the coefficients shown, all regressions control for sex, age, age squared, race, family size, education, log family income, selfreported health status, state Medicaid expansion status, state cigarette taxes, clean indoor air laws, and year (2015 vs 2019)
In 2020, some tobacco shops started to comply with federal law while others only complied with state law
The premium difference between an optimized tobacco placement and a poorly-matched carrier submission is significant sometimes 50% or more which makes strategic broker placement the single most impactful action for any tobacco user seeking life insurance
Please find a template for the Regulation of the [city/town] Board of Health Restricting the Sale of Tobacco Products