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Not only will you have saved quite a bit of money (the average smoker spends over $2,000 per year for a 1 pack-a-day habit), you will also qualify for some of the better, lower rates

You will be considered a smoker if you have consumed or used any of the following in the past 12 months: cigarettes chewing tobacco nicotine patches nicotine pouches nicotine gum hookahs electronic cigarettes vapes In general, life insurance providers will not differentiate rates between heavy smokers or occasional smokers

Cross-border distance sales may also be prohibited by Member States[4]

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