Radio companies sued
Nicotine has been shown to have biological benefits that include: increasing metabolic rate suppressing appetite regulating body weight influencing brain function alleviating symptoms of Ulcerative Colitis [Source: Pubmed] There are also detrimental consequences to nicotine use which include negative changes to the gut bacteria
There is no difference here to the insurance company
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'You know, I definitely got some money off of it but it wasn't worth what the fallout was