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You are considered a non-smoker if you have been smoke free for 365 days.
This also includes the smoking of cannabis products.

Death Benefit: How to choose the amount for you.

Typically clients choose an amount that will pay off their mortgage and other debts to free up your survivors of these burdens. An additional $100,000 or more is then added to cover funeral expenses and children's education.  One last key criteria is to consider lost income, which our licensed life insurance agent can help you validate

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