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Why Do Life Insurance Companies Test for Nicotine? How Do Insurance Companies Know If Youre a Smoker?, They dont just rely on what you say. They can check medical tests, records, past applications, and even investigate during a claim., Important: If Chewing Tobacco & Life Insurance: Your Complete Guide to Affordable Coverage The Life Insurance Industry's Long, Strange Silence about Smoking and Cancer The Center for the Study of Tobacco and Society

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