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Life Insurance for Smokers Life Insurance for Smokers Jason Stolz CLTC, CRPC, DIA, CAA If you use tobacco cigars, chew or dip, vaping, pipe, or even occasional cigarettes the most important thing to know about life insurance underwriting is this: tobacco use does not automatically mean smoker rates
When a brief cessation counseling intervention is provided during this screening (3-10 minutes), 99406 can be reported in addition to the primary intake service code
