how do life insurance companies test for tobacco use

how do life insurance companies test for tobacco use Cigar Smokers Chewing Tobacco & Life Insurance:

Name: how do life insurance companies test for tobacco use Cigar Smokers Chewing Tobacco & Life Insurance:
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Its aim is to make the use of cigarettes pointless from the consumers perspective, and it comes close to being a ban on the whole category without actually taking that step, which the FDA and its parent the Department of Health and Human Services are forbidden to do