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2015 Additional Tobacco Links and Resources From SFCAN: Coordinated action on tobacco control, especially in young adults, low income communities, the homeless and people with mental illness - where smoking rates are higher than the general population- can make the highest impact

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Implications for insurers The findings of these studies have significant implications for insurers looking to enhance their risk assessment processes in an age of accelerated underwriting: Implement behavioral science techniques Incorporate enhanced question formats that break down complex inquiries into more digestible parts, destigmatizing the behavior, and avoiding binary questions that force yes/no answers

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