Definitions vary. Cigarettes always count. Cigars, chewing tobacco, vaping and nicotine replacement products are treated differently from one insurer to the next, which is one reason quotes vary.
Be accurate on the application
Insurers can test for nicotine and review medical records. Misstating tobacco use can lead to a denied claim, so tell the agent exactly what you use and how often.
After you quit
Many insurers will consider non-tobacco rates once you have been tobacco-free for a set period, often 12 months or more. Ask whether the policy allows a rate review later.
Common questions
Do guaranteed issue policies charge smokers more?
Some guaranteed issue policies do not ask about tobacco at all. Pricing rules depend on the insurer.
This page is general information, not insurance, legal or tax advice. Policy terms, eligibility and pricing vary by insurer and state. A licensed insurance agent can explain the specific products they offer.
