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Smokers are subject to higher life insurance premiums than non-smokers Consumption of any form of tobacco, even a single cigarette or e-cigarette, in the last 12 months classifies you as a smoker, for life insurance purposes Life insurance premiums for smokers can cost as much as 50 to 100% more than those for non-smokers If you have quit smoking and not used tobacco for 12 months, you can apply to have your rates reduced to non-smoker status There are many factors that influence the monthly cost of a Canadian life insurance policy

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