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Don't be afraid to spread it thinly

Most students lacked the fluency required for effective counseling conversations in a second language, which limited their use of the AI to its full potential

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Key Takeaways Non-smoker rates are available: Prudential and Lincoln Financial offer non-smoker rates to chewing tobacco users, potentially saving hundreds of dollars per year Most insurers charge smoker rates: The majority of life insurance companies treat all tobacco users the same, resulting in premiums two to three times higher than non-smoker rates Financial strength matters: Both Prudential and Lincoln hold A+ ratings from A.M