do nicotine pouches count as tobacco for insurance purposes

do nicotine pouches count as tobacco for insurance purposes use has evolved faster than definitions. smoking declines, vaping, HTPs, nicotine pouches, and cannabis are reshaping risk, yet frameworks still rely on smoker vs non-smoker. An intermediate risk group FDA Weighs Allowing Zyn Pouches

Name: do nicotine pouches count as tobacco for insurance purposes use has evolved faster than definitions. smoking declines, vaping, HTPs, nicotine pouches, and cannabis are reshaping risk, yet frameworks still rely on smoker vs non-smoker. An intermediate risk group FDA Weighs Allowing Zyn Pouches
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The death benefit does not pass through your estate to the charity

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