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When seeking a life insurance plan the insurance company will often do several tests to set your fee and measure your lifestyle. This includes seeking your history in both health and job, in addition to getting some real exams. One of these brilliant includes, often, a urine examination to see if you will find any medications or other hazardous agents in your system, often done arbitrarily to have the most effective results. They look for smoking as well, to see if you are a smoker, even if they ask you beforehand when they do this check. It is not uncommon for people to lie about smoking to try and get better insurance charges, just like over here. If you do not smoke and are chewing tobacco and are worried that life insurance for tobacco chewers is as bad as that for smokers, here is the reason you don't need to panic. If there is no nicotine in the body your tobacco could be probably chewed by you while speaking with individuals and they'd not care--at least not in terms of the insurance charge, individually they might not enjoy somebody chewing obnoxiously inside their company. While there are other health hazards that accompany eating tobacco they are different enough from these that accompany smoking that the insurance providers often classify them as two different things. Some insurance providers, however, are not so lenient toward chewing tobacco. When doing your research for life insurance it might be far better search out an insurance agent or specialist, an individual who understands the ins and outs of the area insurance companies and will help you find exactly what you're searching for. They understand the regulations and those that can ignore chewing tobacco and can easily send you in the right direction to obtain the best price and offer for you with no any complications, concerns or concerns.