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Smokers are subject to higher life insurance premiums than non-smokers If you chew nicotine gum, you are considered a smoker in the eyes of most life insurance carriers You must have ceased smoking or using nicotine products for one year for most carriers to provide non-smoking rates Life insurance premiums are based on a variety of factors such as your health and lifestyle choices

Today, the enamelled metal signs which in an age before political correctness and health-and-safety proclaimed the wonders of pipe tobacco, cigarettes and cigars are highly collectible, eagerly sought by discerning connoisseurs

In 2015, nearly a third of adult e-cigarette users were former regular cigarette smokers

Many factors may be contributing, Dr