[SeanGAR]

Originally Posted by Blues Tiger

However, wouldn't this void your policy in the event the insurer found out you lied after death?

From http://finance.yahoo.com/insurance/a...ance_Companies

Most life insurance policies carry a two-year "incontestable clause" that allows the insurance company to challenge a death claim. If you die within the first two years as a result of, say, a car accident, and it comes out that you were, in fact, a smoker, your insurer would have the right to "rescind" the policy or simply deny the claim.
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All the companies we contacted stated flatly that after a long period of time, such as 10 years, they would pay the claim. Once your policy is this far past the two-year contestability period, linking your death to smoking is less important to them than not reneging on a death claim.


In final analysis, it is better not to die .. er .. lie.