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Indeed, cigarette smoking trends have been declining in the past period

In some cases, the insurance company may deny you coverage or cancel your policy for misrepresentation

One practical consideration: nicotine replacement therapy (patches, gum, lozenges) can produce positive cotinine results even after cigarette cessation meaning a former smoker using NRT to quit may still test positive for cotinine and be classified as a tobacco user at carriers that treat any positive cotinine as smoker-equivalent

Two permits apply specifically to importers

James Shiver is the Managing Principal at ChoiceLifeQuote.com, an online life insurance service in the family and small-business markets