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Life and CI Protect Plus Coverage

A smoker is considered someone who, in the past 12 months, has used more than 12 large cigars, or used any other tobacco, cigarette, e-cigarette, cigarillo, a pipe, chewing tobacco, nicotine patches or gum or betel nuts.

Tobacco use includes use of small cigars (approximate diameter of cigarettes)

Users of marijuana and hashish may be considered with non-smoker rates if there has been no use of e-cigarettes, tobacco or nicotine in any form, in the last 12 months.

Marijuana prescribed for medicinal purposes may also be considered with non-smoker rates if, as stated previously, there is no use of e-cigarettes, tobacco or nicotine in any form, in the last 12 months. Decisions other than standard non-smoker may be applied depending on a number of criteria including frequency, quantity and reason for use.

Vital Link coverage

A smoker is considered someone who, in the past 12 months, has used any tobacco products including large cigar, cigarette, e-cigarette, cigarillo, a pipe, chewing tobacco, nicotine patches or gum or betel nuts.

Tobacco use includes use of small cigars (approximate diameter of cigarettes)

No exceptions will be made for large cigar smokers.

Users of marijuana and hashish may be considered with non-smoker rates if there has been no use of e-cigarettes, tobacco or nicotine in any form, in the last 12 months.

Marijuana prescribed for medicinal purposes may also be considered with non-smoker rates if, as stated previously, there is no use of e-cigarettes, tobacco or nicotine in any form, in the last 12 months. Decisions other than standard non-smoker may be applied depending on a number of criteria including frequency, quantity and reason for use.