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Such disclosure, however, would have encouraged claims and damage suits, and run counter to basic insurance-company practice, which is to write as much coverage as possible, and as cheaply as possible, in order to reap a rich harvest of policy premiums that, when invested, will return enough money to pay for future claims and make a profit for the company

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He also recommends parents get involved in the Tobacco 21 movement, which aims to increase the legal age for purchasing tobacco products to 21