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In many cases: Tobacco users may pay 20%40% more for the same policy Some carriers impose a tobacco surcharge rather than a flat rate class A few insurers may decline coverage depending on age, health, and tobacco history Unlike health insurance, long-term care insurance is medically underwritten , meaning lifestyle factors like tobacco use carry long-term pricing consequences

There are reports that HTPs can increase the likelihood of relapse 14 among former smokers

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An additional extended warranty is also available for purchase through Mercury, providing further peace of mind for the new owner