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Nine in 10 life insurance underwriters believe e-cigarette users should be considered smokers, according to a survey by Munich American Reassurance Company, a unit of Munich Re.

Among the more than 150 underwriters surveyed, nearly three-quarters (74 percent) categorized e-cigarettes as a tobacco product, followed by a quit-smoking aid (30 percent), drug delivery device (20 percent), and gateway drug (19 percent).

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