Life Insurance and Cigars

[jkim05]

I am an agent, if anyone has specific questions I'd be more than willing to answer via PM, but here are the major points. Basically, if you say you don't smoke and they do the blood test and you come out negative, as far as they are concerned, you don't smoke. If you take about a month off, you should be fine, should you test positive, you can either wait a year or so and reevaluate or you can get your health rating adjusted once a year on the policy anniversary date if you have another blood test. After two years, it is irrelevant what you hid from the insurance company and they cannot refuse a death claim for any reason, even fraud. Also, once a policy has been issued at a given health rating, you can basically do whatever you want. Hope this helps.