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	<title>New answer on: What Constitutes A Smoker For Life Insurance?</title>

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		<title>By: Peggy Mace</title>

		<link>https://www.insurancelibrary.com/life-insurance/what-constitutes-a-smoker-for-life-insurance</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Wed, 31 Jul 2013 20:00:54 +0000</pubDate>

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		<description><![CDATA[For nearly all life insurance companies, having one cigarette in the past year constitutes a smoker. Having chewed nicotine gum or chewing tobacco; having smoked more than one cigar per month; smoking electronic cigarettes, and all other forms of tobacco are also rated smoker by most life insurance companies, if done in the past year. There are a handful of companies that will rate chewing tobacco, daily cigars - any tobacco except cigarettes - as nonsmoker (but not Preferred Nonsmoker). And there are quite a few companies that will rate as good as Preferred Nonsmoker for under 13 cigars per years.]]></description>

		

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