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Most insurance companies require applicants to be tobacco-free for at least 12 months before considering them for non-smoker rates

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Smoking can aggravate or initiate: Chilblains Frostbite Primary or secondary vasospastic disease (Raynaud phenomenon) Ulceration, in patients with systemic sclerosis Thromboangiitis obliterans (Buerger disease), in which blood clots occur in small blood vessels Cholesterol emboli associated with atherosclerosis Thrombosis caused by thrombophilia, antiphospholipid syndrome or drugs including oral contraceptives