Your question was neither simple nor practical.
Most carriers have a tobacco question on their application. Sometimes you have to answer it, sometimes not.
It depends.
States and carriers have different rules concerning tobacco ratings.
You asked a question based on your "research" but you did not source your post. Even if you had sourced it, the question is irrelevant when asking for a global answers. As several have indicated, the answer varies by carrier, state, and circumstances at the time of the application.
Most carriers have a tobacco question on their application. Sometimes you have to answer it, sometimes not.
It depends.
States and carriers have different rules concerning tobacco ratings.
You asked a question based on your "research" but you did not source your post. Even if you had sourced it, the question is irrelevant when asking for a global answers. As several have indicated, the answer varies by carrier, state, and circumstances at the time of the application.
