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In many cases, the most effective underwriting move for combined-risk files is identifying the carrier most favorable for the dominant risk factor because that carriers framework for handling the secondary factors is often better calibrated for the specific combination

By paying attention to these seemingly small details, youll extend the lifespan of your lighter and save yourself some price on unnecessary replacements
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Tobacco smoke and chewing tobacco contain Thousands of chemicals Dozens of proven cancer-causing substances Toxins that directly damage DNA Each time tobacco is used, these chemicals enter the body and injure cells
