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A 30 year old professional applies for a 1 crore term insurance policy. He's healthy. Exercises regularly. No medical conditions. Yet his premium comes back significantly higher than Sachin Tejuja Lawsuits Target Health Plan Tobacco Surcharges Horst Insurance How Advocates and Policymakers can Bolster Tobacco Cessation ASH > Action on Smoking & Health Reducing Healthcare Costs: The Importance of Tobacco Cessation
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