Smoker vs Nonsmoker Rates: Pricing Impact and Reclassification Timing
Why nicotine class is one of the biggest premium drivers and how reclassification can lower cost later.
Cost Driver
- Nicotine classification can multiply term and permanent policy costs.
- Carrier definitions vary across cigarettes, vaping, nicotine replacement, and occasional use.
- After sustained cessation, reclassification review may improve rates.
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