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A Year in Review of EX Program's Impact on Tobacco Addiction 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 Prudential Will Reclassify People Who Vape To Treat Them As Regular Smokers VitalShield Insurance Blogs Nicotine use has evolved faster than insurance definitions. As smoking declines, vaping, HTPs, nicotine pouches, and cannabis are reshaping risk, yet frameworks still rely on smoker vs non smoker. An intermediate risk group
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