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How Smokers Can Get a Life Insurance Policy With Non Smoking Rates Smoking doesn't make you uninsurable but hiding it can put your family's claim at risk. Insurers price policies based on risk, so tobacco or nicotine use may lead to higher premiums. This The Life Insurance Industry's Long, Strange Silence about Smoking and Cancer The Center for the Study of Tobacco and Society Chewing Tobacco & Life Insurance: Your Complete Guide to Affordable Coverage How Smokers vs. Non Smokers Are Rated for Life Insurance
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