What do life insurance companies consider a smoker for life insurance?
When you apply for a life insurance policy there is a question on the application for coverage regarding tobacco use that asks if you have used tobacco in the last 2-5 years, depending on the insurer.
If you answer "Yes" you are considered a smoker, but your actual rate for coverage will depend on the type and amount of tobacco you use, and the frequency with which you use tobacco.
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