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(Justin Sullivan | Getty Images) The tobacco industry has a playbook, script and strategy that continues to effectively work in West Virginia

But, as Singhania says, Courts have interpreted such exclusions narrowly, meaning the insurer must show a direct and proximate link between the conduct (alcohol or tobacco use) and the ailment. According to Shilpa Arora, Co-founder of Insurance Samadhan, policy clauses on self-inflicted harm or substance abuse can be crucial in such cases, depending on doctors reports

People who breathe secondhand smoke are at risk for many of the same sicknesses and diseases, even though they do not smoke

Automated tracking and reordering capabilities also help to reduce gaps that impact sales