If you use some other form of tobacco, such
as chewing tobacco, pipes, or cigars, we have at least two companies (as of September 2011) that actually give NON tobacco rates to these non cigarette tobacco users.
Applicants that use tobacco products such
as chewing tobacco, pipes, cigars, and nicotine gum, nicotine patches, electronic cigarettes can test positive for nicotine can receive a standard rate class as long as he or she discloses tobacco use on their application.
About 8 million people in the United States use smokeless tobacco, also known
as chewing tobacco, spitting tobacco, dip, chew and snuff.
Raising cigarette taxes to combat smoking may increase the use of cigars and smokeless tobacco, such
as chewing tobacco, in adolescents according to a study published in the open access journal BMC Public Health, involving 499,381 adolescents.
Not exact matches
And, let's be honest, in almost every picture Boehner looks
as if he'd just gulped down a mouthful of
chewing tobacco.
Many
tobacco stores also sell accessories, such
as lighters, cigarette cases, ashtrays,
tobacco pipes; hookahs, electronic cigarettes,
chewing tobacco and other types of
tobacco products.
If passed in the Legislature next week, the price of cigarettes would go up $ 1.60 per pack on July 1st and other
tobacco products such
as cigars and
chewing tobacco would go up from 46 to 75 percent of the wholesale price.
The town's law now prohibits the sale of cigarettes, cigars,
chewing tobacco and powdered
tobacco, liquid nicotine and other smoking products,
as well
as herbal cigarettes, rolling papers, smoking paraphernalia and e-cigarettes to people younger than 21.
The town's law would ban the sale of cigarettes, cigars,
chewing tobacco and powdered
tobacco, liquid nicotine and other products,
as well
as herbal cigarettes, rolling papers, smoking paraphernalia and e-cigarettes to people younger than 21, according to a news release.
The tax on other
tobacco products — such
as cigars,
chewing tobacco and pipe
tobacco — will increase from 46 percent to 75 percent.
Lewis» book burnishes a story that might have been dismissed
as a formulaic underdog tale, like a high - toned Major League, and Beane's tortured route from big - league flameout
as a player to sabermetric visionary
as a general manager gives Pitt more to
chew on than just
tobacco.
No, there's nothing so literal
as Stetson hats and spurs, but «Logan» does boast galloping horses, suspenseful shoot - outs, and a black hat baddie (Boyd Holbrook) with a gold tooth and a Southern drawl that spits threats thick and squarely like
chewing tobacco.
This is because they do not rate
chewing tobacco users in the same class
as smokers.
Cigarettes, cigars, and
chewing tobacco (snuff) are all dangerous to your dog
as well
as to humans.
According to the rule, a person who has been
chewing tobacco in the last 12 months prior to the application for life insurance is often classified in the same risk class
as tobacco smokers.
Being listed
as a smoker on your life insurance application, or using
chewing tobacco, is going to cause your insurance rates to double.
Chewing tobacco:
Chewing tobacco use is considered the same
as smoking.
Life insurance companies test for nicotine, and
chewing tobacco has a high amount of nicotine in it — «holding an average - size dip in your mouth for 30 minutes gives you
as much nicotine
as smoking three cigarettes,» according to the National Institute of Dental and Craniofacial Research.
For anyone who has dipped,
chewed or otherwise used any sort of smokeless
tobacco, most of the same rules apply
as with cigarettes.
You need to understand that there is a difference between
chewing and smoking
tobacco, and
as long
as you do not smoke, you can get a low cost policy.
As it turns out,
chewing tobacco is not a risk factor to some burial insurance companies.
This would be the same
as if they were using any form of
tobacco product such
as cigarettes, cigars, pipes,
chewing tobacco etc..
For example; Say you
chew tobacco and you run life insurance quotes online
as a non-smoker.
There are a few insurance companies, Prudential and Lincoln Financial included, that are willing to consider pipe smoking, cigar smoking or nicotine gum or
tobacco chewing individuals
as non-smokers.
Cigarette users generally present greater mortality risks than users of other
tobacco products such
as cigars, pipes, or
chewing tobacco; however, not all carriers distinguish between the various forms, so this is one reason
as to why working with Quotacy is beneficial because you get multiple carriers to choose from.
This is just an example of three of the most popular companies used in the United States and how their rates would be impacted by smoking cigarettes or other
tobacco products such
as cigars, pipes and even
chewing tobacco products
as well.
Also keep in mind that there are insurance companies that will take into consideration if someone is a light smoker or uses other forms of
tobacco such
as cigars, pipes and
chewing tobacco for a lower premium than a classic cigarette smoker.
Smokeless
Tobacco Niche — Lincoln is one of a select few companies that offer non-
tobacco rates for users of smokeless
tobacco such
as cigars,
chew, dip and marijuana.
This is because they do not rate
chewing tobacco users in the same class
as smokers.
Therefore, smoking cigarettes, cigars or pipes and
chewing tobacco can result in a carrier rating you
as higher risk.
Also, if you use
chewing tobacco, Prudential Life is a great option for you
as they don't use the smoker's rate for
chewing tobacco.
Also, the insurer will judge the claim based on certain areas such
as frequency and amount of
tobacco consumption, the means of consumption -
chewing tobacco or smoking, - or and how long you were addicted.
Being defined
as a smoker can mean using
tobacco cigarettes or cigars, but life insurance for smokers includes
chewing tobacco or dipping, which technically isn't smoking at all.
Prudential offers non-
tobacco rates for uses of smokeless
tobacco (daily usage ok) such
as: ecigs,
chew, dip, pipes, cigar, snuff.
Now there are certain companies that won't consider «certain» types of
tobacco use the same
as they would cigarettes, for example cigars, pipes,
chewing tobacco and / or electronic cigarettes may be considered none
tobacco products by some life insurance companies.
Life insurance companies consider pipe, cigar,
chewing tobacco, dip, snuff, nicotine patches and nicotine gum
as «other
tobacco».
The Google Home Mini is an obvious competitor to the Amazon Echo Dot, a device that looks like a can of
chewing tobacco and offers a lot of the same capabilities
as grandaddy Echo.
For example, the smokeless
tobacco section included questions about
chewing pituri or native
tobaccos as well
as store - bought
tobacco, and the second - hand smoke section included specific questions about smoking bans at ACCHSs.
Studies have shown that life satisfaction is negatively associated with adolescent problem behaviour: sexual risk - taking behaviours (Valois et al. 2002); substance abuse, such
as cigarette smoking,
chewing tobacco, marijuana, cocaine, regular alcohol use, binge drinking (Desousa et al. 2008; Piko et al. 2005; Zullig et al. 2001); and violence and aggression, such
as carrying a gun or weapon, physical fighting, stealing or damaging property at school, and drinking and driving (MacDonald et al. 2005; Valois et al. 2001).