Life Insurance Long Beach, California CA
Reader’s Question:
If I do not disclose that I am smoking, would the life insurance company in Long Beach, California know? What happens to my life insurance if I lie?
Adam
Long Beach, CA
Hi Adam
The reason why smokers are considered an insurance risk is that they have the high risk of health problems than non-smokers. It cannot be denied that smoking has relevant effects on health and life insurance. The effect may be internal but life insurance companies in Long Beach, CA will of course know eventually.
For one, there are plenty of medical complications caused by smoking. Once you die without telling them that you smoke and they found out that the cause of disease was due to smoking, they have the right to deny claims on your life insurance…and they can even cancel it! This is because the disclosure of non-smoking on your part becomes a fraudulent act. In other words, perhaps they would not know immediately when you applied for life insurance. But when you die, there is a tendency that life insurance companies can associate your death with smoking. And if there is discrepancy on the data you gave and the cause of death, your beneficiaries may be denied of claims on the life insurance you dearly invested. This effect on your disclosure will be very costly and unpleasant. You would have wasted paying for the life insurance that you want for your beneficiaries.
So to answer you question, perhaps they would not know when you apply for life insurance. But once they know, you would be in a costly mess and it would be at your disadvantage. Besides, fraud is against the laws of California and that is enough grounds for the company to drop your life insurance coverage.
Tags: life insurance, life insurance fraud, smoker life insurance
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