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In fact, there are specialized life insurance companies that focus on offering coverage to smokers, and they may have a different perspective on the risk associated with smoking

Permanent Life Insurance for Tobacco Users For most tobacco users, term life insurance is the highest-priority coverage because it provides the most death benefit per dollar during the years when financial protection matters most while income-earning years are ongoing, mortgage obligations are active, and children or dependents are financially reliant on the primary earner

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Nor has such a relationship been measured before in previous studies on alcohol abuse and brain volume, he says

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