Different genders have different rates of developing illnesses, which is why insurers take it into account with pricing policies. We understand that you might not define your identity as simply "Male" or "Female" so we're working to add more options. We appreciate your flexibility.

You should select “Yes” if you’ve used any nicotine products in the last 12 months. Nicotine products include:

• Cigarette,
• E-Cigarettes,
• Pipes,
• Chewing tobacco,
• Vaporizers,
• Nicotine gum,
• Nicotine patches, or
• 13 or more cigars.

Otherwise, select “No”. Note: Cannabis products are NOT considered to be nicotine or tobacco products.