What Constitutes A Smoker For Life Insurance? 
For nearly all life insurance companies , having one cigarette in the past year constitutes a smoker . Having chewed nicotine gum or chewing tobacco ; having smoked more than one cigar per month ; smoking electronic cigarettes , and all other forms of tobacco are also rated smoker by most life insurance companies , if done in the past year . There are a handful of companies that will rate chewing tobacco , daily cigars - any tobacco except cigarettes - as nonsmoker -LRB- but not Preferred Nonsmoker -RRB- . And there are quite a few companies that will rate as good as Preferred Nonsmoker for under 13 cigars per years . 