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Underwriting for Smokers and Tobacco Users In considering an application for life insurance, insurers routinely begin by determining the proposed insureds age, sex, and tobacco status

Repeated exposure to these toxic emissions is directly responsible for 8 million deaths each year worldwide, making smoking the leading cause of preventable deaths, especially those caused by cancer (30% of all cancers are caused by tobacco) and cardiovascular and respiratory diseases

However, increased regulation and rising public awareness of health risks have taken a bite out of usage

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The widespread use of betel nut is an important cultural and social practice, but frequent use is associated with various health problems