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Life Insurance Rates for Tobacco Users In considering an application for life insurance, an insurance company evaluates the applicants age, gender, and tobacco use as part of the proposed insureds overall health and lifestyle

At some point in their lives, about one third of current ENDS users (38% overall) had stopped using ENDS for at least one day because they were trying to quit for good (Figure 8)

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Thats why theyre common in group settings