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If an investigation reveals that the customer had failed to disclose alcohol or tobacco consumption habit, it could be treated as non-disclosure of a material fact, potentially leading to claim rejection or even policy cancellation, says Adarsh Agarwal, Appointed Actuary, Digit General Insurance

On average, smoking cessation programs can last anywhere from 4-12 weeks, with the goal of providing support and resources to help adults quit smoking and overcome the physical and psychological challenges associated with nicotine addiction

Last month, the Kansas Supreme Court ruled Topeka was allowed to raise the age limit within city limits

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