Pembroke Pines Florida smokers life insurance

Reader question.

I smoke, but more socially than regularly. Do I need Pembroke Pines Florida smokers life insurance?

Justin

Good question, Justin.

From your description, it does indeed sound like you are a candidate for Pembroke Pines Florida smokers life insurance. According to the majority of life insurance companies, if you smoke at least once a year, then you are in the smokers club and have no way of getting out. If your last cigarette, cigar, or chewing tobacco dip was over 12 months ago, then you are probably going to be safe.

Now, if you only smoke socially, then it is probably not going to show up on your urine test when you are tested for Pembroke Pines Florida smokers life insurance. So, you come to a dilemma: to tell, or no? It’s up to you, really, but you should consider the possible consequences before considering hiding your smoker status on your life insurance policy application.

If you are a smoker, and you don’t reveal it on your application, then during the first 2 years of your policy you are subject to cancellation if it is revealed that you were a smoker at application time. This is even the case if you die during these two years–your family could be denied benefits. As an infrequent smoker, it is unlikely the company will find out, but you should be cautious anyway.

take care,

Fashun

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