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The Surgeon General has concluded that advertising and promotional activities by tobacco companies have been shown to cause the onset and continuation of smoking among adolescents and young adults. [1] The tobacco industry spends the majority of their marketing budget at the point of sale promoting its deadly products

You should always apply with a company that: Offers Standard Non-Tobacco Rating If Youve Quit Smokeless Tobacco Products in Last 12-Months Offers Standard Non-Tobacco Ratings to Current Smokeless Tobacco Chewers Special Tobacco Ratings If Your Health Does Not Qualify for Standard Non-Tobacco Ratings this is the key to saving money on life insurance

Department of Health and Human Services (2004) The Health Consequences of Smoking: A Report of the Surgeon General

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