If you smoke less than a half pack of cigarettes a day, cigars, pipe, or chew or dip tobacco, you can test positive for nicotine and still get non-smoker rates with the right company.
If your habit causes you to lie on your application, commit insurance fraud, and toy with your beneficiaries' future during the contestability period, your addiction is in control of your life. If you can quit for 3 weeks, you might as well keep going.
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