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DO smoking cigarettes before are applying. This is pretty straight in the future. Smokers are more likely to die during guidelines term, the actual premium are more too costly. You can’t give up for in a day and apply, though. You should be genuinely smoke-free for no less a manufacturing year. There is no point lying, or simply hire. If you died during your policies term but it was discovered you were a smoker, there’s a good chance this could invalidate your policy, therefore all your premiums budding for not anything.