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Industry survey insights: The impact of tobacco, alcohol, and drug use on anti selection ExamOne Blog Hiding your smoking habit while buying term insurance? Heres why thats a BIG mistake!, Insurers usually do a medical test before issuing the policy. Nicotine can stay in your system for The Impact of Tobacco Use on Life Insurance Policies My insurance is so strict on this nicotine test it's crazy. I passed the nicotine portion because I stopped smoking but due to the secondhand exposure I failed. I was exposed because
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