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Two tobacco users with identical usage patterns can receive quotes that differ by 50100% or more not because one is healthier, but because one application was submitted to a carrier with nuanced tobacco classification guidelines and the other was not

Tobacco smoke contains over 70 known carcinogens, including acetaldehyde, arsenic, benzene, cadmium, formaldehyde, lead, polycyclic aromatic hydrocarbons (PAHs), tobacco-specific nitrosamines (TSNAs), and radioactive elements like polonium-210

Negative Health Consequences of Smoking Cigarette smoking remains the leading cause of preventable disease and death in the United States

Duncan MS, Freiberg MS, Greevy RA, Kundu S, Vasan RS, Tindle HA