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Yes, Smokers Can Obtain Cheap Life Insurance Rates

This legislation (known as Tobacco 21 or T21) became effective immediately, and since then it has been illegal for a retailer to sell any tobacco product, including e-cigarettes, to anyone under 21

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There are air sacs in your lungs that are getting bigger than they should

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Note that some companies may use their traditional health rating system for tobacco users though, but they add the smoker rating to whatever health rating assignment they make