A non-smoker has had no use of any product containing nicotine within the last 12 months.
A smoker has used any of the following within the last 12 months:
- e-cigarettes (when used with nicotine)
- small or large cigars
- chewing tobacco
- nicotine gum or patches
- nicotine or tobacco in any other form.
Small cigars vs large cigars
A small cigar is defined as a cigar that contains a filter and is meant to be inhaled. A large cigar is defined as a cigar that has no filter and is not meant to be inhaled.
Frequency of usage is very important to 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).