Searching for Smokers: A Comparison of Carboxyhemoglobin, Thiocyanate and Cotinine As Screening Tests

Burgeoning evidence of the formidable mortality consequences of cigarette smoking has motivated life insurers to offer lower premiums to non-smokers. With widely-advertised nonsmoker discounts also available on propertycasualty and health insurance products, the alert consumer is now aware of the economic advantage of being a non-user of cigarettes, even if only temporarily (i.e., when the agent is fill ing out the application).