Life Insurance Form Have You Ever Smoked

Most life insurance applications ask if you smoke.

Life insurance form have you ever smoked. They should have a rule like haven t smoked in x years. If you have a blood test urine test or swab the presence of nicotine will show up in all those tests. In that post the individual was looking for a ten year 250 000 policy and they had been cited with a dwi over four years ago. Life insurance companies are not mind readers but they do their very best to find out if you smoke.

If you have smoked in x years and you say that you didn t and they find out then it s insurance fraud which is a quite serious crime. Your insurer may re classify you as a nonsmoker if you re able to kick the habit for good. 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. If you saw the previous post that addressed getting life insurance with a dwi you ll see how much more one would pay.

Marijuana and life insurance. The insurance company may request another medical exam. Plus this period could be longer or shorter depending on which form of tobacco you use. If you have ever taken chantix or other drugs to help you quit smoking they will see that on your pharmacy record.

You should look for an insurer who has requirements that fit your situation as a preferred option. For purposes of form 8925 an insurance contract is an employer owned life insurance contract if it is owned by a policyholder as defined below and covers the life of the policyholder s employee s on the date the life insurance contract is issued. A lot depends on the company holding your insurance policy unfortunately. Edit you should not lie on the insurance forms.

The frequency with which you smoke will only matter as far as which smoker rates you are assigned. Colorado oregon washington and the district of. Life insurers getting hip to pot the life insurance industry has lightened up on marijuana over the past decade or two as have many states. Many insurers will want you to quit tobacco for at least a year before considering you a nonsmoker.

A yes answer from you will automatically classify you as a smoker for life insurance purposes. Employer owned life insurance contract. Being classified as a smoker when you apply for life insurance isn t a life sentence. Depending on the size of the policy and the company you may be asked to take a urine blood or saliva test.

Smokers are high risk applicants which means higher premiums but that doesn t mean your wallet is going to sweat every month when you have to make those premiums. To qualify for metlife s best rating class elite plus nonsmoker for instance you can t have smoked or used any tobacco for at least five years according to the company s life insurance.