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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