Smoker definitions


No use of any product containing nicotine within the last 12 months.

Note: we may offer non-smoker rates for a new application where the proposed insured is an occasional large cigar smoker and had a negative cotinine test (when testing is required).


Any use of the following within the last 12 months: cigarettes, e-cigarettes (when used with nicotine), cigarillos, small or large cigars, pipes, betelnut, chewing tobacco, nicotine gum or patches, or nicotine or tobacco in any other form.