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Preventative Medicine, 47 , 206-209

WARNING : Smokeless tobacco is addictive

Commercial smuggling is a large-scale criminal activity that can involve counterfeit state tax stamps, counterfeit versions of legitimate brands, and moving prohibited products.[12] The Mackinac Center provides several anecdotes of smuggling activity over the many editions of its report, including a prison guard caught smuggling cigarettes into prisons, a Maryland police officer running illicit cigarettes while on duty, and a Virginia man hiring a contract killer over a cigarette smuggling dispute.[13] International Smuggling and Counterfeiting Hurt Americans Smuggling that occurs within the borders of the United States is mostly a zero-sum activity from a cost perspective

That means your beneficiaries DONT receive the death benefit money