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ECigIntelligence.com, the Britain-based independent resource that tracks regulations and market information for the e-cig sector, agrees that the TPD is not being implemented or enforced consistently

Population growth means that while smoking rates are falling, the number of smokers has remained relatively constant at about 45 million people for several decades

If a policyholder misses their payments and the Grace Period (usually 3031 days in Florida) expires, the policy is lapsed. If the insured dies one day after the policy lapses, the company has no legal obligation to pay