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To sum up While smoking itself does not technically break the intermittent fasting state like getting calories from foods, it can have adverse effects on fasting-related benefits and overall health

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In addition to criminal prosecution, you could also face a financial penalty

Depending on the carrier and the policy, the re-rating process may involve requesting a rate-class review on the existing policy or re-applying for new coverage at non-smoker rates the specific mechanism depends on the carriers policies and whether the original application was structured to facilitate future re-rating