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 Add "Terrorism Rider" to cover injuries caused by an act of terrorism.
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Special insurance carriers for impaired- risk cases and smokers.*
* Cigar smokers, tobacco chewers, and occassional smokers can pass as non-smokers.
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Examples of Rates*
Monthly Rates.*See note
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*Note: Premiums are based on actual date of birth at Preferred Plus Non-smoker monthly rates. Rates are higher for other underwriting classifications. Rates are subject to change, state availability, and issue limitations. Current as of March 15, 2008.








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