Cigar smoking and Life Insurance premiums.

[Blueface]

Originally Posted by JohnE1000

If you lie, they will refuse your claims, then what is the insurance good for?

Well, applications are contracts. You agree to certain terms as does the company. Misrepresenting information not only yields a claim possibly not being paid but also may yield what they call void ab initio. This means your policy is void and never existed.

Now, back to the cigar thing, what if you are not a cigar smoker but later become one and the company doesn't f/u with you as the years pass to see if factors have changed? How on Earth will they be able to prove you intended to defraud on the application by proving you were actually a smoker at that time? Just hope they too are not on CA. (hint.................things that make you go hmmmm).

However, I won't advocate that. I am the guy that approves those voids when people lie on applications. Not a nice thing when that happens.