Chew Vs Smoking

Forethought will treat all non-cigarette use as non-tobacco, just like Americo. 5 Star still upcharges those that smoke cigars, pipes etc. , but smokeless tobacco will get non-tobacco rates (dipping, chewing is ok).

I prefer 5 star over Americo and Forethought any day. Much better company and so much easier to deal with. If you don't have them and need a contract let me know, we are a direct IMO for them and know their product inside-out.
 
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