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**Related Resources:** Life Insurance Rates for Smokers | Term Life Insurance | Smoking & Vaping Life Insurance Rates | Life Insurance With Obesity | Get a Free Instant Quote
Authoritative Resources: Life insurance products are regulated by the NAIC (National Association of Insurance Commissioners). Insurers use health history data maintained by the MIB Group during underwriting — consumers can request one free annual MIB report at mib.com.
Want to compare smoker vs. non-smoker rates? See our full tobacco underwriting guide or get an instant quote.