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Lots of earthy flavors & tones in this one

If an investigation reveals that the customer had failed to disclose alcohol or tobacco consumption habit, it could be treated as non-disclosure of a material fact, potentially leading to claim rejection or even policy cancellation, says Adarsh Agarwal, Appointed Actuary, Digit General Insurance

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The CDC states that secondhand smoke exposure causes an estimated 41,000 deaths among non-smoking adults each year in the United States
