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Smokers are subject to higher life insurance premiums than non-smokers If you chew nicotine gum, you are considered a smoker in the eyes of most life insurance carriers You must have ceased smoking or using nicotine products for one year for most carriers to provide non-smoking rates Life insurance premiums are based on a variety of factors such as your health and lifestyle choices

When President Obama signed into law a ban on flavored cigarettes, members of the Congressional Black Caucus, which has received hundreds of thousands of dollars in donations from the tobacco industry, were seen as key in securing an exemption for menthol

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One of the more stable factors affecting the tobacco category appears to be the major tobacco manufacturers themselves, said Herzog of Wells Fargo