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Jim was the one who went door to door, pounding the pavement

When I questioned in 1986 why this monitoring had been stopped, I was advised government policy was that all cigarette smoking was very dangerous, regardless of the levels of additives and pesticide residue they contained

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This is precisely why working with an independent broker who actively tracks cigar underwriting guidelines across multiple carriers is the most reliable way to identify the best carrier for any specific cigar smokers profile rather than submitting to a carrier based on name recognition or a general low rate comparison that doesnt account for how the cigar disclosure will affect the classification