Smoker Life Insurance Cape Coral Florida FL
Reader’s Question:
Is it ok not to disclose that I am smoking so I can get lower premium for life insurance in Cape Coral, Florida FL?
Laura
Cape Coral, FL
Hello Laura
Well, you’re as if saying “Is it ok to lie”? which leads to an answer of big NO. Why? Its not just because lying is a bad thing as you know it since your childhood. It’s also the consequence that you’ll have with your life insurance company in Cape Coral, FL. Of course, they won’t be able to tell at first but they would eventually. And when they do, you would be at risk of being denied of life insurance claims. You see, not disclosing the real condition is equivalent to a fraudulent act and life insurance companies won’t be happy to give you what’s due you if you’re life insurance application is fraudulent.
Besides, you can’t do away with it anyway. You’re just increasing your risk of not being trustworthy. For one, once you apply, you are required to undergo medical examination. In this case, you might be known to be a smoker. Even if you succeeded to hide as smoker, you might die and when the life insurance company investigates and finds out that you were smoking, your beneficiaries may not be able to get the life insurance benefits. You then paid low premiums in vain. Remember life insurance companies are very keen on claims. Even if your death is caused by any diseases not related to smoking, they can still have the right to deny or at least lower the release of benefit because they would stand as victim of fraud.
Tags: life insurance, no exam life insurance, smoker life insurance
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