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How do life insurance companies define who is a smoker?

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How do life insurance companies define who is a smoker?

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The criteria for “who is considered a smoker” varies between companies. Most companies define smoker as any nicotine use (including Gum and Patch) within the last 1 to 3 years. There are a few companies that might give non-smoker rates for gum, patch, cigar, limited cigarette use, pipes and chewing tobacco.

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