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In a recent Underwriting Shorts conversation, I sat down with Ken Turscak, Chief Underwriter at Cavalier Associates , to break down how carriers are treating marijuana, vaping, and nicotine use in todays marketplace

You damned, dirty hound

Whether youre sitting on a Brooklyn stoop, hiking a California trail, or unwinding at home in a legal state, the joint you roll is an extension of you

The calculation is simple: take everything unnecessary, the globally unproductive BAT, and get rid of it

Smoking and wound healing Normal Wound Healing Process Normal wound healing can be divided into four phases: coagulation, inflammation, migrationproliferation and remodeling