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The premium multiplier for tobacco classification relative to non-smoker classification varies by age, health class, and carrier, but the difference is consistently significant and compounding over the life of a multi-decade term policy

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Pakhale et al .,[] estimated moisture content, pH, nitrite, nitrate, nicotine, and other tobacco-specific alkaloids in Pandharpuri brand of chewing tobacco, zarda , and three brands of mishri and processed tobacco used for bidi manufacture

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