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(You'll have to be tobacco-free at least 12 months to five years, depending on the insurer, to get non-smoker rates.) How to get a better health classification if you already have a life insurance policy Once you've had your policy for at least a year, many insurers allow you to apply for a change in health classification and lower rates

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Easy 5 star review. Carytown Tobacco, located in Ashland, VA, offers an extensive selection of tobacco products, including chew tobacco, cigars, cigarillos, and hookah accessories