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Permanent life insurance becomes relevant for tobacco users whose goals extend beyond a defined term window legacy planning, final expense coverage that doesnt expire, or coverage that addresses the risk of future health changes making future underwriting more difficult

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Depending on the year, tens of millions of dollars worth of tobacco are sold, LaMondia said

Collaborate with suppliers to align inventory levels with anticipated demand, reducing the risk of excess stock or stockouts

"Global progress in implementation of the WHO FCTC" (PDF)