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The key mistake cigar users make is submitting applications that dont clearly distinguish cigar use from cigarette use, or submitting to carriers that dont have cigar-specific classification provisions both of which produce smoker-class outcomes that were entirely avoidable

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The search string included the terms electronic cigarette, e cigarette and adolescents, teenagers using the Boolean operators AND and OR resulting in the following canonical search equation: (electronic cigarette OR e-cigarette) AND (adolescents OR teenagers)

The key requirements are consistent across most carriers that offer this provision: accurate disclosure of the smokeless rather than cigarette nature of the use, no concurrent cigarette smoking, and submission to a carrier whose underwriting guidelines specifically address the smokeless tobacco category