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Insurance Fact #11: Vaping is considered tobacco use by many health insurance carriers. That means it may increase your monthly premiumjust like smoking. Always answer tobacco questions honestly when applying for coverage. # Tobacco Use and Oral Health (PCOH) PA Coalition for Oral Health Hidden Costs: The Economic Burden of Cigarette Smoking on U.S. Healthcare Spending ASH > Action on Smoking & Health A 30 year old professional applies for a 1 crore term insurance policy. He's healthy. Exercises regularly. No medical conditions. Yet his premium comes back significantly higher than Sachin Tejuja Hiding tobacco use from your insurance provider is a fast track to a rejected claim. If you use tobacco, keep these 3 rules in mind before buying term insurance:, 1 Total Disclosure: You must

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