Smoker Life Insurance Washington DC
Reader’s Question:
Is it possible to cheat and not get caught if I claim that I don’t smoke? I live in Washington DC.
Jason
Washington DC
You can actually lie to your insurance provider and claim that you don’t smoke. Nicotine disappears from your system after 72 hours after smoking the last cigarette. In this case, your urine test may show a negative result of nicotine level. Theoretically, this is possible even for the heaviest of smokers.
It is important to provide the correct and complete information on your smoking habit because the policy
is a legal contract. Note that when you are asked with questions like “have you used tobacco products within
a specific period”, a “yes” would consider you as a smoker by the insurance company.
In case you lied about your smoking habits and got caught during the process, the rates would be up to a smoker’s rates once the application is approved. Note that the survey questions are to weed out liars by closely checking the inconsistencies on the answers of the applicants.
If you start smoking after your life insurance is approved, you are not required to inform your insurance company in Washington DC if they don’t ask. If you die and your insurance company considered you as a non-smoker though you actually started smoking, the death benefits will not be affected.