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As examples, an independent agent may recommend one company over another based on better tobacco rates, suggest a specific company that does not consider smokeless tobacco as tobacco use, or help an individual who has quit smoking qualify for a lower cost annually renewable term policy until they can be considered a non-tobacco user. Tip #2 - Provide Accurate Information In our experience, applicants sometimes forget that they occasionally smoke or use other forms of tobacco when completing a life insurance application, only to have the truth revealed in their exam results or medical information

California Tobacco Facts and Figures

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The cycle's relentless, isn't it

The new study looked at chest scans from 56 marijuana smokers, 33 tobacco-only smokers and 57 nonsmokers taken from 2005 to 2020 in Canada