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As examples, an independent agent may recommend one company over another based on better tobacco rates, suggest a specific company that does not consider smokeless tobacco as tobacco use, or help an individual who has quit smoking qualify for a lower cost annually renewable term policy until they can be considered a non-tobacco user. Tip #2 - Provide Accurate Information In our experience, applicants sometimes forget that they occasionally smoke or use other forms of tobacco when completing a life insurance application, only to have the truth revealed in their exam results or medical information

But if your vape is glued to your hand, youre going to need a lot more time for that chemical footprint to wash out of your system

For example, the World Health Organization (WHO) estimated that in the late 1990s there were approximately four million tobacco-caused deaths per year worldwide

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