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Smokers are subject to higher life insurance premiums than non-smokers Consumption of any form of tobacco, even a single cigarette or e-cigarette, in the last 12 months classifies you as a smoker, for life insurance purposes Life insurance premiums for smokers can cost as much as 50 to 100% more than those for non-smokers If you have quit smoking and not used tobacco for 12 months, you can apply to have your rates reduced to non-smoker status There are many factors that influence the monthly cost of a Canadian life insurance policy

Summary The findings underline the dual role of e-cigarettes: while they may offer harm reduction opportunity for some people who smoke, their full benefits are not yet evenly distributed, with lower-SES groups facing barriers to complete smoking cessation

But air purifiers cant address every air-quality concern

15 February 2013