Not exact matches
The research informs an ongoing debate
as to whether e-cigarettes are effective aids for smoking cessation, promote uptake by non-tobacco
users, discourage cessation via dual use of cigarettes and e-cigarettes, or encourage relapse to cigarette use among former
smokers.
If nicotine is detected in your medical exam, most life insurance companies will classify you
as a tobacco
user and offer you
smoker rates.
This is because they do not rate chewing tobacco
users in the same class
as smokers.
William Randolph Hearst began printing outlandish stories with headlines such
as «Marijuana goads
user to blood lust» and «Hotel clerk identifies Marijuana
smoker as gunman».
Smokers and tobacco
users are going to pay minimum, twice
as much for their insurance coverage compared to what a non-user is going to pay.
Even such conditions
as heavy alcohol
users and even the Marijuana
smokers.
Smokers: Tobacco
users are twice
as likely to die
as non-tobacco
users while they are insured for life insurance.
A life insurance company can offer a specific smokeless tobacco
user category, which will have considerably lower premium rates
as compared to the rates charged for regular
smokers.
For example, while every company classifies a regular cigarette
smoker as a «tobacco
user,» some companies may make exceptions for people who only smoke the occasional cigar or two and offer nonsmoker prices, which will often cut your price nearly in half.
The agent at AIG Direct also told me that most other carriers (or at least the ones that work with AIG Direct, a full list of which is unavailable on their website) will accept social marijuana
users, but give them the same rates
as tobacco
smokers.
If the FDA settles on the tobacco classification
as widely expected, then e-cigarette
users will technically still be considered
smokers.
In fact,
smokers are going to pay twice
as much versus what a non-tobacco
user is going to pay for the same sized plan.
Another reason this company is so fantastic is it consistently ranks
as one of the most affordable life insurance companies for
smokers and non tobacco
users alike.
If nicotine is detected in your medical exam, most life insurance companies will classify you
as a tobacco
user and offer you
smoker rates.
Once again, Banner Life Insurance Company comes in
as one of the top life insurance companies for
smokers and tobacco
users.
This is because they do not rate chewing tobacco
users in the same class
as smokers.
Compared with boys, the prevalence of smoking and alcohol use is relatively low in Taiwanese girls (OR = 5.5 and 5.8, respectively, girls
as the reference group).34 Female
smokers or alcohol
users may be more pathological and have a lower threshold for DSH / SA.