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Any chest discomfort or irregular heartbeat warrants prompt medical evaluation

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Frequency : Even occasional or social use may place you in the smoker category Medical exams & labs: Blood or urine tests often check for cotinine, a nicotine byproduct Self-reporting: Always answer honestly as misrepresentation can void coverage or deny a claim Your tobacco use is evaluated separately from other health factors, and together they determine your underwriting class and life insurance premium

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