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You asked: What do you mean by smoker status?

Here are the different definitions for each of the smoker statuses that we use to calculate annuity benefits: Current smoker: Someone who smokes ten or more cigarettes a day (including hand rolled) and has done so for at least 10 years. This does not include anyone who smokes cigars or pipes or uses tobacco replacement products. Light smoker: Someone who smokes between one and nine cigarettes a day (including hand rolled), one or more cigars/pipes a day. This does not include anyone who uses tobacco replacement products. Non-smoker: Anyone who has never smoked, given up or doesn't come under the two categories described above

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