If I Quit Smoking A Month Ago Can I Claim Nn Smoker Status On A Insurance Form

Applicants must have refrained from smoking cigarettes for at least 12 months to qualify for nonsmoker.

If i quit smoking a month ago can i claim nn smoker status on a insurance form. Once a person has quit smoking it can make a big difference in the amount that they have to pay for their life insurance coverage. Many insurers will want you to quit tobacco for at least a year before considering you a nonsmoker. All insurance proposal forms ask you whether you are a smoker. But smoking has been known to cost people dollars through more.

Based on the information you provide the insurer decides the type of risk your account has and they do underwriting math accordingly. However in most cases it will require that you have to wait a certain amount of time after you ve stopped smoking before you can apply or re apply for coverage. If you lie about smoking the health insurance or life insurance benefits for you and your family may be at stake. The average cost of a pack of cigarettes in the u s.

Cigarette users may be motivated to lie in order to obtain either a lower health insurance premiums or b maintain eligibility for life insurance policy or rates. You can then apply for a non smoker policy with a reduced premium. In some states lying about smoking for insurance purposes is a material misrepresentation just like lying about. In states with higher tobacco taxes the cost can be even higher.

Worst case you could be fired for lying. Other ways smoking costs you money. If you quit and remain smoke free for 12 months a life insurance company will consider you a non smoker. You will likely need to sign a declaration form stating you have been smoke free for 12 months and you may need to have a urine test to confirm it.

If you do make an insurance claim and are tested for nicotine and it comes back positive it could cause an issue. This is true for both life as well as medical insurance. The insurance company may request another medical exam. If you quit for at least a year you can notify your insurer and ask if you qualify for a lower nonsmoker rate.

A yes answer from you will automatically classify you as a smoker for life insurance purposes. 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. That could be a problem. Your insurer may re classify you as a nonsmoker if you re able to kick the habit for good.

You might think about delaying life insurance until after you quit smoking. The frequency with which you smoke will only matter as far as which smoker rates you are assigned. Regarding finding out covertly is a good first step. If you plan to quit you get standard nonsmoker rates for the first three years of the policy.

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