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Cardiovascular Effects: The cardiac organs respond to smoking as a result of the inhaled smoke and thereby producing abnormal changes within the heart

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Most insurers will consider you a smoker if you have used tobacco or nicotine in any form within the past 12 months, including: Cigarettes Electronic cigarettes Vaping products containing nicotine Smokeless tobacco, chewing tobacco, dip or snuff Pipes Nicotine patches, gum or other nicotine substitutes Regular cigar use often counts as smoking, but some insurers offer nonsmoker rates if you smoke fewer than a certain number of cigars per year, such as 12

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