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Life Insurance for Smokers: How to Find Affordable Coverage Long Term Care Insurance and Tobacco Use: #1 Complete Guide to Coverage and Costs Long Term Care Insurance Authority The lawsuit says employees who smoke were given a "tobacco surcharge" on health insurance. Insurance Fact #11: Vaping is considered tobacco use by many health insurance carriers. That means it may increase your monthly premiumjust like smoking. Always answer tobacco questions honestly when applying for coverage. #
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