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The practical implication for any cigar smoker seeking non-smoker life insurance rates is that accurately representing their actual frequency not minimizing it, not estimating conservatively low and then matching that honest frequency to the carrier whose threshold accommodates it is the only strategy that produces a sustainable outcome

While it might seem like a small line item in a massive spending plan, this move could have real-world consequences for consumers, retailers, and public policy

21, 2016 /PRNewswire/ -- Reynolds American Inc

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