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Message: <blockquote data-quote="JD8" data-source="post: 3986637" data-attributes="member: 24"><p>FWIW, the tobacco will cost you typically double, if not triple the premium cost...... and even if you quit later on.... you'll typically still be paying the tobacco rate.  Otherwise you be in a situation where you'd try to rewrite the policy down the road, and that will be expensive too.  Basically, be as healthy as you can when you write a policy.</p></blockquote><p></p>