New question in Life Insurance FAQ

Posted on September 24, 2012 and updated January 23, 2019 in Life Insurance Canada News, Life Insurance FAQ 1 min read

New question in Life Insurance FAQ:

My husband quit smoking “cigarettes” 7 years ago. He occasionally chews nicotine gum. When applying for insurance would he only be considered at “smokers rates” ? Thank you

This depends on the company. Most life insurance companies would qualify him as a smoker but some companies may not mention Nicorette or nicotine substitutes in terms of their non-smoking declaration. It’s important to check the application wording very carefully.

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This totally depends on the life insurance company that how they are considering your husband as a smoker or as a non-smoker.