What Constitutes A Smoker?
When it comes to life insurance for smokers most insurance companies in Canada believe that a smoker is someone who has used some form of nicotine product or marijuana within the last 12 months. Included in the definition of nicotine products are cigarettes, pipes, cigars and nicotine gum or patches.
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 policy this option may not be available.