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Archived from the original on July 1, 2022
Chew, Dip, and Smokeless Tobacco Non-Smoker Rate Opportunity Smokeless tobacco users chew, dip, and snuff occupy one of the most favorable positions in the tobacco underwriting market, because the risk profile that actuarial data associates with smokeless tobacco is genuinely different from the risk profile of daily cigarette smoking
Reducing Premiums Through Risk Mitigation To an insurance underwriter, theres a logical connection between risk and premium cost: the lower the risk, the lower the premium
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