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Pepponi, I., Diogo, G

12 Month Rule: Smokeless Tobacco Use Over The Last Twelve Months A common question we get asked How long do insurance companies require you to not have used smokeless tobacco to get non-tobacco ratings on life insurance coverage

References (1) Statistics on Local Stop Smoking Services in England - April 2024 to March 2025 (Q4, Annual) (2) Wikipedia: Nicotine replacement therapy (3) CDC: How to Use Nicotine Lozenges (4) Nicotine replacement therapy versus control for smoking cessation (7) Public Health England insists e-cigarettes are 95% safer than smoking ABOUT THE AUTHOR Written by Dan Overgage Dan Overgage is a former smoker of 10 years until he became a client of SMOKO E-Cigarettes

Dangers of smoking