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Most life insurance companies define that as one per month, though a couple of carriers have liberalized their rules to allow up to four per month, and under those terms they rate your risk of death for insurance purposes as "non-tobacco user." To find the lowest rate, "shop the carriers that are cool about celebratory cigars and find the ones with the best rates," says Byron Udell, founder and CEO of Accuquote.com, an independent insurance brokerage that shops for the best premiums and terms from among dozens of A-rated major life insurers in all 50 states

They are using a pseudonym to protect their identity given their underage consumption of cannabis

Some contract stations are still open, and the warehouse in Springfield might hold more sales if needed in the New Year

The Maya carved toads and frogs into pots and vessels

Getting your Trinity Audio player ready Two weeks after the passing of Oscar-nominated actress Diane Ladd, her cause of death has been confirmed as chronic hypoxic respiratory failure