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I woke up every day, from my first day in this career back in 1988, devoted to making life as difficult as possible for Big Tobacco, Douglas said in one of a series of lengthy interviews with STAT

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While less than 1% of tobacco users get denied a life policy, tobacco users are charged significantly more for life insurance

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Essentially, they work as a form of marketing strategy, where manufacturers offer financial rewards to distributors or retailers for selling certain quantities or types of tobacco products