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As an example, when asked about its tobacco divestment decision, here is how the New Zealand Superannuation Fund explained its 2007 decision from a responsible investor perspective: As a product, tobacco fails product safety and ethics tests

In combined-risk cases, the most effective strategy is identifying the carrier most favorable for the primary risk driver often the health condition rather than the tobacco use and confirming how that carrier treats the tobacco element in combination

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Secondhand smoke exposure, for example, contributes to health problems in non-smokers, leading to increased healthcare utilization and costs

6 of every 100 high school students (6.0%) reported current use of smokeless tobacco

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