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It aims to evaluate their understanding on the clarity of the questionnaire and a 100% affirmative response rate was obtained

While there arent specific riders for smokeless tobacco users, standard policy riders like accidental death benefit or waiver of premium are generally available

Gagnon, P., Cowiestoll, B

Looking for a replacement would be like getting rid of a terrible cold and wanting to replace it with the flu

Long-term: Cigarettes/Cigars - Lung cancer, chronic bronchitis, emphysema, chronic obtrusive pulmonary disease (COPD) Smokeless Tobacco - Oral cancer, esophageal cancer, pancreatic cancer Other Health-related Issues: Increased risk for miscarriage, stillborn, or premature infants for pregnant women