When it asks have you ever smoked, should I say no if we don't currently smoke?
How will they know? We smoke electronic cigarettes (smokeless) so I don't know what to tell them. I don't want to pay a lot more since we aren't smoking cigarettes.
Also, it asks have you had a DUI citation and we both have but it was 10 years ago.
Do I have to disclose this - I mean will they find out? Any other information or advice you can give me will be beneficial.
You should always answer all questions truthfully on an application for life insurance coverage. The insurance company can contest payment, and deny coverage on your life insurance if they find out you lied.
The insurance company will be testing you for nicotine. If you have any nicotine in your system, it will be picked up, and if you say "no" for smoking, they'll flat out decline your application. Or, they may charge you the smoker rate for coverage.
Yes, they can find out about the DUI, also, and most likely they will find out when reviewing your application for life insurance. They can check your driving record.
But more importantly, if your husband gets hit by a truck next year and dies, are you OK with it, if the insurance company doesn't pay out? Because they can - and will - check to see if you lied on the application (that's called fraud), and if you DID lie, it voids your coverage.
The bottom-line is don't lie on your application for life insurance because it may result in you either being denied for life insurance, or your life insurance coverage not paying out on a claim when you or your husband die, because you lied, and misrepresented yourself on the application.
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