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For instance, a $10,000 policy purchased at the regular rate would be worth $12,000

Over a third of the world's population living in 79 countries are protected from second hand smoke by comprehensive national smoke-free laws (4)

This was 2023! [Emphasis added]

As a 1981 report sent to the then vice-president of research and development at Philip Morris put it: Younger adult smokers are the only source of replacement smokers If younger adults turn away from smoking, the industry must decline, just as a population which does not give birth will eventually dwindle

But once you leave the U.S., youre under different rules