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Old 03-26-2009, 02:42 PM
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Question re: Tobacco User

What is the name of your state (only U.S. law)? Indiana

If someone has been paying non-tobacco user rates for a term life insurance policy and is a tobacco user when they die, is the insurance policy invalid?What is the name of your state (only U.S. law)?
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Old 03-26-2009, 02:48 PM
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Basically, yes. If you are paying for non-user rates, but a tobacco user, then you are violating the contract of the insurance and the company and probably will deny any payments.
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Old 03-26-2009, 03:41 PM
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Perhaps no. Generally the policy is based on what is going on at the time it is applied for. You can apply as a nonsmoker if you are a nonsmoker and then later on after the policy is issued light up. There's also frequently a two year contestability period. If they don't notice the noncompliance they waive their rights to gripe later on.

You'll need to read the policy to know for sure.
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