Most insurance carriers believe that a smoker is someone who has used some form of nicotine product or marijuana within the last 12 months however some carriers will even look at longer time frames up to 5 years or longer. Included in the definition of nicotine products are cigars, cigarettes, pipes, nicotine gum, patches, chewing tobacco. If you smoke less then one cigar a month some carriers will consider you a non-smoker. Should you choose to quit smoking during your policy term then there are a number of options that can save you money. It is possible that you could change to the non smoker category and therefore receive lower premiums however if your health has changed since the start of the life insurance policy this option may not be available.

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