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Depending on the carrier and the policy, the re-rating process may involve requesting a rate-class review on the existing policy or re-applying for new coverage at non-smoker rates the specific mechanism depends on the carriers policies and whether the original application was structured to facilitate future re-rating

Which invites the question: if Epictetus is concerned with Stoic philosophy as a way of life, why is he taking us on this tedious foray into Wonderland

We hold on to that kind of stuff. And he has an old-style wooden barn with a furnace that cured tobacco for the last time in 1980

The Original Cannabis Aficionados