Sentences with phrase «nicotine users»

Flex Term guarantees your coverage amount and your monthly premium until age 50 (age 40 for nicotine users).

We offer affordable Flex Term life insurance for Members to the age of 50 (40 for nicotine users), Level II term life insurance for Members to the age of 85, and Flagship Whole Life insurance to care for Members and their families for their entire lives.

Navy Mutual's Flex Term life insurance plans cover individuals to age 50; however, coverage may be converted to another Navy Mutual life insurance plan, without a physical, up to age 48 (age 38 for nicotine users).

Then there are rates for smokers and other nicotine users.

Some carriers are more favorable towards tobacco or nicotine users, and the more accurate you are, the better we can match you to the right insurance company.

For all nicotine users and rated policies, the ROP benefit will not exceed 50 % of the face amount of the policy.

Only by applying with the company that is most lenient on nicotine users will you stand a chance of finding cheap life insurance for smokers.

Some carriers are more favorable towards tobacco or nicotine users, and the more accurate you are, the better we can match them to the right insurance company.

In the next few weeks the agency will announce whether it classifies them as tobacco products (because they attract new nicotine users), or smoking cessation products (because they wean a person from tobacco use).

Insurance premiums are higher for smokers and other nicotine users.

Some carriers are more favorable towards tobacco or nicotine users, and the more accurate you are, the better we can match you to the right insurance company.

Nicotine users / smokers showed a significantly lower percentage of heavy - drinking days (confirmed by a blood test for heavy drinking) while receiving naltrexone versus placebo.

«We are especially concerned because the survey shows that some of the teens using these devices are first - time nicotine users,» said Nora D. Volkow, M.D., director of NIDA.

The «pessimistic» scenario finds 1.6 million of these former cigarette smokers will have a combined 20.8 million more years of life, while the «optimistic» scenario calculates 6.6 million nicotine users who switch from cigarettes to e-cigarettes will live 86.7 more life years.

In cases where a lying smoker dies within the contestability period and the cause of death can not in any way be associated with smoking but medical records show that he's a nicotine user, the insurance company can absolutely cancel the insurance policy.

Not exact matches

They warm tobacco sticks to a temperature that's high enough to release an aerosol but not enough to cause combustion.They may significantly reduce risk while satisfying users» nicotine cravings.

However, long - term use leads to nicotine addiction, with withdrawal exposing users to confusion, restlessness, anxiety and insomnia.

E-cigarettes deliver a nicotine - containing aerosol popularly called «vapor» to users by heating a solution commonly consisting of glycerin, nicotine and flavoring agents.

While most youth using e-cigarettes are dual users, up to a third of adolescent e-cigarette users have never smoked a conventional cigarette, indicating that some youth are starting use of the addictive drug nicotine with e-cigarettes.

While early research found that e-cigarettes resulted in lower levels of plasma nicotine than conventional cigarettes, more recent research demonstrated that experienced users can attain nicotine absorption similar to that with conventional cigarettes.

E-cig users get the experience of smoking a cigarette and inhale nicotine vapor, but do not suffer the damaging effects of a tobacco cigarette.»

Some experts say the nicotine content could lead users to become addicted to e-cigs, or that it could even serve as a gateway to conventional cigarettes and other drugs.

The drug rimonabant, which reduces nicotine cravings in tobacco users, can reduce the desire for food, but it has dangerous side effects.

Electronic cigarettes, known by a variety of names including vapor pens, are battery - powered devices that heat nicotine and flavorings to deliver an aerosol inhaled by the user.

Electronic cigarettes (e-cigarettes) are battery operated inhalation devices that provide warm, vaporized nicotine to users without the inconvenience of tobacco smoke.

They hypothesized that excess brain dopamine release in heavy alcohol users who also use nicotine / smoke could make them more treatment - resistant in general, but more sensitized to naltrexone's dopamine lowering effects — leading to their greater response to treatment with the medication than non-smokers.

At enrollment, e-cigarette users were more nicotine dependent than non-users, had more prior quit attempts, and were more likely to be diagnosed with lung or head and neck cancers.

One group of mice was put in a chamber that exposed them to e-cigarette aerosol, so that their blood nicotine levels were similar to that of smokers and e-cigarette users.

While there are many different e-cigarette devices on the market, the basic parts of a typical device include a battery, a cartridge with nicotine (and possibly flavoring), and a heater that vaporizes the nicotine to be inhaled by the user.

Since the quality of each device may vary, and the nicotine dose that an individual user may receive varies with the brand, battery charge level, «e-juice,» and experience of the user, it is hard to know how well any particular device works or what the user is inhaling.

Rather than use a dose of nicotine similar to that in a cigarette or in a nicotine patch or gum — doses that can overwhelm first - time users — his team turned to doses around 10 times lower, barely above what is needed for someone to notice nicotine's effects, such as relaxation, jitters, better focus, energy or changes in mood.

Griffiths believes this is the first study to conclusively show that nicotine can pass the reinforcement test in never - users, and he expects it will inform future studies of «avoiders» and «choosers.»

A team of scientists has shown for the first time that nicotine residue can be extracted from plaque on the teeth of ancient tobacco users.

The researchers also plan to analyze dual users of both e-cigarettes and cigarettes — to draw a more complete picture of nicotine dependence on the entire spectrum of e-cigarette use.

e-cigarette (short for electronic cigarette) Battery - powered devices that disperse nicotine and other chemicals as tiny airborne particles that users can inhale.

In ways that drugs of abuse — such as nicotine, cocaine and heroin — hijack the brain's reward pathway and make users dependent, increasing neuro - chemical and behavioural evidence suggests that sugar is addictive in the same way, too.

Hookahs expose users to lower, but still significant, levels of nicotine, tar and carbon monoxide, the researchers found.

The market's solution is e-cigarettes — which provide the user with nicotine but none of the harmful effects of tobacco.

Adolescent users should avoid nicotine because it hampers growth of the prefrontal cortex in those under 25 and use of the drug early on increases risk of cognitive impairment later in life.

If nicotine is detected in your medical exam, most life insurance companies will classify you as a tobacco user and offer you smoker rates.

The liquid used to provide nicotine through e-cigarettes may cause users health problems — it will take time and research to tell.

E-cigarettes, or electronic cigarettes, are battery - powered devices that turn liquified nicotine and other combustibles into a vapor that the user then inhales.

If the life insurance company sees nicotine in the exam findings, the applicant will be classified as a tobacco user.

If a nicotine test results in a positive, it's because that person is a recent tobacco user.

If you're a user of any kind of tobacco product — cigarettes, chewing tobacco, cigars, or even smoking cessation products that contain nicotine — and you're shopping for life insurance, you may have seen in your research that life insurance companies split their health categories into two major groups: smoker and non-smoker.

MetLife, on the other hand, includes cigarette smoking and nicotine substitutes (e-cigs, nicotine patch, and other smoking cessation products) under the same guidelines and classifies users accordingly.

Most insurers lump users of nicotine patches, nasal spray, or gum with traditional tobacco users, according to Mike Woods, an insurance underwriter with Pinney Insurance Center.

If nicotine is detected in your medical exam, most life insurance companies will classify you as a tobacco user and offer you smoker rates.

The main point of this article is to shine a light on the fact that there are a lot of life insurance options for smokers or users of nicotine products.