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Evidence from countries where comprehensive smoke-free legislation has been implemented and enforced shows that these policies have a neutral or positive impact on businesses [1] [25]

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(You'll have to be tobacco-free at least 12 months to five years, depending on the insurer, to get non-smoker rates.) How to get a better health classification if you already have a life insurance policy Once you've had your policy for at least a year, many insurers allow you to apply for a change in health classification and lower rates