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For two, the insurance company could rightfully deny the death claim outright or adjust it to what your premiums would have actually bought based on tobacco rates

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Moreover, there is no clear evidence that quitting smoking reduces the frequency or intensity of CH attacks, suggesting a more complex relationship between smoking and CH involving genetic or neurobiological factors [87, 88]

Additionally, alcohol consumption elevates cortisol levels, creating chronic stress conditions that damage hair follicles and accelerate telogen effluvium

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