Life Insurance and Cigars

[jkim05]

Originally Posted by Barteur

Is anybody had experience with this? Let say I really did not smoke when I sign up and that I started this year. Do I have to call my insurance to tell them? Is this a case where the 2 year clause come in place even if the death is not related to cigars?

I am presently reevaluating my life insurance but I dont want to open a can of worms and end up paying like crazy because I am smoking 2 or 3 cigars a month. (on the other hand I have been reading on this site for the past month I will propably start smoking more... you guys are evil)

Frenchie

You can start doing anything once the policy has been issued. The clause refers to "omissions" on information relating to previously existing health conditions and lifestyle risks.