1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    For nearly all life insurance companies, having one cigarette in the past year constitutes a smoker. Having chewed nicotine gum or chewing tobacco; having smoked more than one cigar per month; smoking electronic cigarettes, and all other forms of tobacco are also rated smoker by most life insurance companies, if done in the past year. There are a handful of companies that will rate chewing tobacco, daily cigars - any tobacco except cigarettes - as nonsmoker (but not Preferred Nonsmoker). And there are quite a few companies that will rate as good as Preferred Nonsmoker for under 13 cigars per years.
    Answered on July 31, 2013
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