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If you’ve been looking for a good reason to quit smoking, here’s one: your premium rates for life insurance as a smoker are roughly two or three times more than what they would be if you were a non-smoker. Smokers are one group of people who pay a serious penalty when buying life insurance. But that doesn’t mean it’s impossible to get a policy for a smoker, and it is still possible to find reasonable rates if you do your homework, get multiple quotes and ask questions while you research. [...]