Life Insurance and Quitting Smoking?

What happens if your quitting smoking?

Can they tell that on your physical for life insurance?

Life insurance companies will ask you on your application for a quote and coverage whether or not you smoke. You should always tell the truth so they don't possibly decline any claim for coverage if you die.

The life insurance company may also require you to take a physical exam, blood and urine tests when you apply for your life insurance policy, depending on your age, the amount of life insurance requested, and the insurance company.

Usually, the life insurance exam will check for nicotine in your system when they perform the blood and/or urine test. Follicle tests can also be used to check for nicotine or continine in your system.

If they find out you smoke when you said you don;t on the application for coverage, the insurance company may change your rate to a higher rate, or decline your life insurance request altogether for lying about it.

You may want to compare rates and plans for term life insurance for smokers to help you find the most affordable life insurance from the highest rated life insurer.

In addition, there are life insurance plans that do not require any physical exam, blood or urine test.

You can get an instant quote and apply online in minutes. You may qualify for up to $500,000 of term life insurance no exam required, just a few health questions. Once approved, you can start your life insurance the same day.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Life Insurance and Smoking?

Life insurance question?

If you sign up for a Life Insurance policy as a non tobacco user and a few years later you choose to start smoking...and don't tell the insurance company, is this fraud?

No, it is not fraud and you will still be covered by your life insurance policy.

At the time of the application for life insurance coverage you were a non-smoker.

That is what they assessed your risk at and that is what the rating will stay at on your life insurance policy.

They will still pay the claim if you die while your life insurance policy is in effect.

If anything, they will try to prove that you smoked at the time you filled out your application for life insurance, and will adjust the premiums accordingly taking the balance out of the death benefit before it's paid out to your beneficiary.

To say it's fraud is like saying "I was healthy when I got my life insurance but 2 years later I got sick and died from cancer. Is that fraud?" In both situations your status changed and it's what was accurate at the time you filled out the life insurance application that counts.

If you have any questions you can contact your life insurance agent or insurance company and request an answer in writing. Also, it's a good idea to read your life insurance policy and review the exclusions, terms and conditions to better understand how your life insurance policy works.


NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate