If I was a Non-Smoker when I purchased the insurance policy but now I smoke is my policy still good?

Answer:
Many health insurance policies have clauses

in them addressing this issue. For example, if you are paying the non-smoker premium but begin smoking, your policy may state that you need to inform the plan and begin paying the smoker’s rates. If you don’t inform the insurance company, your benefit may be reduced in the event of a claim to take into account the higher premiums you should have been paying.

Life insurance companies expect you to be completely honest at the time of application and will insist on a complete medical history. However, if you later take up smoking, they don’t generally care. Most life insurance companies will continue coverage for the entire term of the policy unless you allow your coverage to lapse. If you allow the coverage to lapse or the term expires and you need to apply for new insurance, you will need to disclose the fact that you are now a smoker just as any new applicant for insurance would need to do.

Examine your policy to see if there are any clauses, exclusions, or limitations addressing smoking.


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