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Preliminary Application - determines the best company for You. 
    Even if you have health conditions, we can still get you coverage.
    Yes, We know its 10 years, but we want to make sure we choose the correct company for you.
    It is NOT mandatory that you have seen a physician recently.
    Life Insurance Companies consider you a "non smoker" after 1 year.
    You can change these beneficiary(s) at any time.
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