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Table of contents Smokeless Tobacco and Life Insurance Rates How Does the Insurance Carrier view Smokeless Tobacco Users How Does Smoking Cigarettes Affect My Life Insurance Rates Smokeless Tobacco Health Risks Kinds of Smokeless Tobacco Applying for Non-Smoker Rates for Smokeless Tobacco Users How to Apply To Get Life Insurance as a Chewing Tobacco User What is Cotinine FAQs Conclusion Smokeless Tobacco and Life Insurance Rates How does smoking affect you

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If a something as small as a marine worm is greatly affected by cigarettes, those that ingest marine worms and so forth in the food chain can become victim to the same effects

It does NOT auto-hit either, at all!!Also, still charges and holds normally