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(You'll have to be tobacco-free at least 12 months to five years, depending on the insurer, to get non-smoker rates.) How to get a better health classification if you already have a life insurance policy Once you've had your policy for at least a year, many insurers allow you to apply for a change in health classification and lower rates

About 21% of Ohio adults smoke, giving the state the eighth-highest smoking rate among states, according to 2017 data from the federal Center for Disease Control and Prevention

LS, GM, JW, TM, BB, and AM contributed to developing all study procedures, data collection assessments and procedures, study and home visit protocols, NRT protocols and checklists, and they are all researchers on the study

Table 1 Comparison of cigarette smoke exposed and non-exposed mothers and their infants