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Just with any other part of the policy, be sure to understand any riders and the costs before you decide to move ahead with the purchase
The Mortality Cost to Smokers. Journal of Health Economics 27 (4): 94358

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While they can feel distressing, they are not life-threatening

Term life insurance is typically the most cost-effective starting point for most cigar-smoking applicants because it provides maximum death benefit per premium dollar for a defined period and when the cigar smoker qualifies for non-smoker rates, those term premiums are competitive with what any non-tobacco applicant would pay
