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The Impact of Tobacco Use on Life Insurance Policies Life Insurance for Smokers and Tobacco Users (Insider Tips) 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 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
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