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4 Smoking initiation even earlier during adolescence (between 1216 years of age) was highly prevalent before 1980, with current smoking among this age group reaching 25% at the time
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Many carriers recognize this distinction in their underwriting guidelines and maintain separate classification provisions for smokeless tobacco that can produce non-smoker class outcomes for applicants who accurately disclose their usage pattern as smokeless rather than cigarette
About ten years ago, I went to visit my Great Aunt in a nursing home, where she was dying from lung cancer caused by smoking, and lit up a cigarette on the way home
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