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Smoking and Life Insurance: Impact and Considerations 10 Factors That Can Affect the Cost of Your Life Insurance WoodmenLife The Life Insurance Industry's Long, Strange Silence about Smoking and Cancer The Center for the Study of Tobacco and Society 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
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