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Such benefits might be seen as exceptionally valuable for people who are trying to quit a drinking problem

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A combination of rising health concerns and increasing regulatory restrictions has contributed to a long-term decline in traditional product usage

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(You'll have to be tobacco-free at least 12 months to five years, depending on the insurer, to get non-smoker rates.) How to get a better health classification if you already have a life insurance policy Once you've had your policy for at least a year, many insurers allow you to apply for a change in health classification and lower rates