What If I Start Smoking After Life Insurance?
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63333 POINTSview profilePeggy MaceMost of the U.S.Nothing will happen if you start smoking after getting a life insurance policy. As long as you were forthcoming about smoking on your life insurance application, your policy will stay intact. If you ever allow the policy to lapse, you will need to get a new policy at smoker rates; it would not be reinstated at nonsmoker rates. But if you convert it to permanent someday, that will also be at nonsmoker rates.Answered on September 10, 2013flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaOther than the harmful effects it might have on your body and the decreased longevity, nothing will happen. Your life insurance policy is based on declarations that you made on a certain date. When things change after the issue date of the policy, the terms and conditions of the policy cannot be altered. The same would be true of hazardous hobbies or occupations.Answered on August 28, 2014flag this answer
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