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Its important to note that the term smoking is defined broadly for insurance purposes and includes: Any form of tobacco, which includes cigarettes, cigars or cigarillos (other than one large cigar per month), pipes and chewing tobacco E-cigarettes, vaping products, water-pipe, nicotine products Smoking cessation products, such as nicotine gum or patches Betel nut leaves, more than once per month Underwriters may use different methods to verify your smoking status depending on the type of life insurance you apply for: Guaranteed acceptance life insurance : Does not require any medical exam or health questionnaire, but you still need to disclose your smoking status

7 D , n = 9, n = 10 rats/group, t = 2.391, p = 0.029

nAChR not only exists in neurons and neuromuscular junctions but is also present in various non-neuronal organs, tissues or cells (Manneckjee and Minna, 1990

Available at: Accessed 19 Oct 2016