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If you have any of the following financial commitments, which your loved ones may struggle to pay if you die, then you should consider life insurance: An outstanding mortgage or equity release loan Unsecured personal loans Credit card debt Childcare or other education fees No savings One family income Who Do Insurers Classify as A Smoker

8 of those who stopped smoking later resumed smoking

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Estimating Smoking-Attributable Mortality in the United States. Demography 49 (3): 797818

Larcombe A, Allard S, Mullins B

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