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Life insurance: Higher premiums for smokers Health insurance: Tobacco surcharges common Disability insurance: Smoking affects premium calculations Cessation: Some insurers offer quitting incentives

(It may also encourage additional consumption.) However, some criminals avoid the legal market altogether

The table above highlights the roles of key organs in detoxification and how smoking impacts their function

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In addition, higher cigarette prices may be a problem for people on low incomes who cannot afford to buy expensive cigarettes

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