Have You Ever Smoked Question On Life Insurance Form

The frequency with which you smoke will only matter as far as which smoker rates you are assigned.

Have you ever smoked question on life insurance form. The basic nhis cigarette smoking questions consist of a screener question have you ever smoked at least 100 cigarettes in your entire life and a follow up question about current smoking practices. And even if your company offers the best plan ever you ll lose it once you stop working there. Most life insurance applications ask if you smoke. A yes answer from you will automatically classify you as a smoker for life insurance purposes.

Generally they ask you if you have you used tobacco or nicotine in the last 12 or 24 months if you answer yes you will be classed as a smoker for life insurance purposes. They want to get a complete picture of your life and health. Before 1991 the follow up question was simply do you smoke now. As far as the insurance company is concerned if you ve only smoked a few cigarettes in the time period covered you ll be considered a smoker.

Life insurance companies ask you about smoking on applications. That doesn t mean you should forego life insurance offered by your job. Answered on may 10 2013. If you lie on the application and live beyond two years you could probably get away with it however keep in mind that lying on an application is insurance fraud.

On almost all life applications there is a question regarding tobacco use. Not only can you qualify for life insurance as an occasional marijuana user but you may get decent life insurance quotes. Depending on the size of the policy and the company you may be asked to take a urine blood or saliva test. The question asks have you ever used tobacco in any form if i say yes then my rates will go up or i may be denied insurance but if i say no i am afraid i ll be accused on lying and owe money.

What you say on your life insurance application form assigns you to one of a handful of risk classes the most desirable risk class is preferred best that means you re in excellent health and don t have a family history of health problems. You may think that you won t get caught if you lie about smoking on your life insurance application. Coverage is coverage and even if you already have life insurance your employer s plan can certainly serve as a supplement.