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Here are 5 quick steps to apply for life insurance as a smoker: Decide on the coverage amount and policy type Prepare details about your smoking history and health Speak to our licensed advisors and compare policies (consider a no-exam policy) Fill out the insurers form accurately and honestly (some policies require a health checkup) Check your policys terms before submitting your application and wait for approval to begin coverage Frequently asked questions How much more do smokers pay for life insurance in Canada

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Over time, this causes: Swelling of the vocal cords Redness and inflammation Reduced vibration ability Mucus buildup Dryness and irritation Abnormal growth on the VFs This leads to persistent hoarseness a classic sign that the vocal cords are struggling