Smoking definition
Smoker rates
Smoker rates will be charged if your client uses any tobacco product including cigarettes, cigar, pipe, chewing tobacco, nicotine gum or patches.
Non-smoker rates
Non-smoker rates will be charged if your client has not used any form of tobacco or nicotine products in the past 12 months.
An occasional cigar smoker may be considered a non-smoker if:
- use is 12 cigars or less per year, and
- smoking details are fully disclosed on the application, and
- urine tests show no cotinine, and
- the person is not rated substandard for a smoking-related impairment.
Build Table
The following build table shows the standard ranges for weight and height measurements for insurance.
Height | Weight (pounds) |
---|---|
4’8” | 84-173 |
4’9” | 86-176 |
4’10” | 89-180 |
4’11” | 92-184 |
5’ | 95-186 |
5’1” | 98-192 |
5’2” | 102-197 |
5’3” | 105-203 |
5’4” | 108-208 |
5’5” | 112-214 |
5’6” | 115-219 |
5’7” | 119-225 |
5’8” | 122-231 |
5’9” | 126-238 |
5’10” | 129-243 |
5’11” | 133-249 |
6’ | 137-255 |
6’1” | 141-262 |
6’2” | 145-269 |
6’3” | 149-277 |
6’4” | 153-285 |
6’5” | 157-294 |
6’6” | 161-303 |