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Neck Injuries Whiplash and cervical spine damage are common in rear-end collisions and can lead to long-term discomfort and mobility issues

Cigars and pipes Cigar and pipe smokers will likely receive smoker life insurance rates if they: Smoke more than one cigar per month Test positive for nicotine (a cigar will show up on a nicotine test if you've smoked recently) Use any other tobacco products If you smoke less than one cigar per month, don't use other forms of tobacco and are in great health, many companies won't consider you a smoker, and you'll qualify for the best life insurance rates

Nicotine is one of the most addictive substances, creating rapid physiological and psychological dependence for many people