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In general, many insurance companies will consider you to be a smoker if you have used a tobacco product at least four times a week during the last six months.3 However, keep in mind that individual insurance companies have their own definitions as to what constitutes a smoker

Didn't buy protection in your 20s

Perez: Yes

Is Brian in the doghouse

The problem for tobacco users is that insurers use different definitions, different class structures, different lookback periods, and different treatment for different tobacco types which means the same applicant with the same usage pattern can receive dramatically different quotes depending entirely on which carrier receives the application