what does tobacco do to a fetus When woman smokes cigarettes during pregnancy, her is exposed many harmful chemicals. Reference: https://www.acog.org/womens-health/faqs/ tobacco-alcohol-drugs-and-pregnancy Smoking in Pregnancy – Pregnancy

A written refusal must be provided if conditions are not met, clearly stating the reason

Depending on the age of the applicant and the amount of coverage applied for, the cost of life insurance for smokers can be higher by 50 to 100% compared to that for non-smokers

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[1] [2] Ritual concerns [edit] As early as the 17th century, rabbis debated various halachic issues that arose in connection with tobacco use, particularly its permissibility on holidays, fast days, and whether a blessing must be recited before use, as well as issues pertaining to Kashrut (Jewish dietary laws), particularly with regard to the prohibition of chametz on Passover