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You dont know when you will die, and any life insurance is better than none at all

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Approval depends on: Age at application Overall medical history Frequency and duration of tobacco use Coexisting conditions (COPD, heart disease, diabetes, etc.) Because underwriting guidelines vary by carrier, working with an independent specialist who understands carrier-specific rules is critical

In sum, given the strong social component inherent in tobacco use onset, cessation, and relapse and the heterogeneity of the relevant social interactions, ABMs have the potential to be an essential tool in assessing the effects on policies to control tobacco

Nicotine is habit-forming and highly addictive