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However, if you were to die during the contestability period (a time where the insurer can investigate information on your application) and the company discovers your tobacco use, your beneficiary's claim may be denied or the death benefit could be adjusted to reflect the amount of premiums that you should have been paying all along as a smoker

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Burger JA , Borthakur G, Pierce S, Kantarjian H, Estey E

Tobacco smoke contains dozens of chemicals known as carcinogens