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Archived from the original (PDF) on 13 November 2013
Cumulative Effect: The longer you smoke and the more you do it, the more deep-set and intractable are the stains

Global Tobacco Market Analysis and Forecast, By Regional Analysis 8.1
Combine that with the fact that about 70 percent of Americas 34 million smokers are interested in quitting, but only have a success rate of about 7 percent (10 percent among younger smokers[25]), and vapor productseven if unhealthy in their own rightare highly attractive as an alternative to smoking

Furthermore, sperm penetration assays in cigarette smokers have shown a correlation with poor sperm function [28,94]

Simplified or Guaranteed Issue Policies For smokers with difficulty qualifying for standard policies: Limited coverage amounts Higher premiums No medical exam required How Insurers Determine Smoker Status Insurance companies verify smoking status through: Medical exams: Blood or urine tests detect nicotine or cotinine
