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Respiratory irritation and the bronchial constriction from a propylene glycol aerosol raise concerns about harm to people with asthma and chronic obstructive pulmonary disease, but one small study reports no harm but rather benefit when users quit smoking or smoke fewer cigarettes per day. Keep in mind, however, that the research here is still early, and this conclusion on e-cigarettes could change once tens of thousands of people and not just dozens or hundreds have been studied

Hence, keep in mind, that a lethal dose for adults may be 6.5-13 mg of pure nicotine/kg of body mass

As examples, an independent agent may recommend one company over another based on better tobacco rates, suggest a specific company that does not consider smokeless tobacco as tobacco use, or help an individual who has quit smoking qualify for a lower cost annually renewable term policy until they can be considered a non-tobacco user. Tip #2 - Provide Accurate Information In our experience, applicants sometimes forget that they occasionally smoke or use other forms of tobacco when completing a life insurance application, only to have the truth revealed in their exam results or medical information

Philip Morris International (PMI) 13.4

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