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Old 05-14-2013, 05:11 AM   #22
mosesbotbol
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Default Re: Cotinine test/screen

Quote:
Originally Posted by Blueface View Post
Fact is a smoker is a higher risk, hence higher premiums.

BTW, I manage an insurance fraud operation. Speaking from knowledge.
I've read studies where it was shown smokers have less total insurance cost over their life than non-smokers. Basically because they die sooner and with less long term care like nursing home etc...
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