A call is being made for smokers wanting to quit, to participate in a study to test the safety and efficacy of electronic cigarettes as smoking cessation tools.

Do vapers need life insurance? Of course! Like everyone else, vapers want to protect their families in case something terrible and unexpected happens. And it's wise especially if you have kids, or are leaving a lot of financial liabilities for your family to deal with.

Life insurance is roughly divided into two types, whole life and term. CNN Money says whole life policies combine a fixed payout amount in case of death with an investment component. Part of the money you pay in premiums goes into investment funds managed by the insurance company. Term policies just insure you for a fixed period, without the investment option. They're often paid for year-by-year, but some have longer coverage periods, some as long as 30 years.

A latest CDC report shows that the smoking rate amongst American adults dropped by 6% from 2005 to 2015, from 21% to 15%. Ultimately this means that there is a significant 8.6 million less smokers than in 2005.