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 My husband and I are fixing to be checking into life insurance policies. What kinds of questions are they? |
| going to be asking us? How much should we expect to pay? He is 35 and I am 39. I quit smoking 1 year and 8 months ago. I have heard that it was best to wait until you had quit smoking for at ... |
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coconuts | Telling whole truth to insurance co? |
My hubby is getting life insurance however to get best prices I dont know if i should tell everything,for instance they ask on application if he EVER smoked he did for like 10 years 15 years ago,But if I say yes he will be classified has a smoker and I know after a few years of quitting its like never smoking at all.How would they know anyways if god forbid something happened to hubby while covered. |
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Financial Answer Guy
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Actually, you can tell the truth on that one. Insurance companies want to know if you have stopped smoking. They will be leery of you if you have quit within the last two years, but your husband should not have any issue in getting nonsmokers rates.
It is very dangerous to lie on an application. You might get away with it initially, but if your husband dies and the insurance company investigates and finds misrepresentations on hte application they can void the policy and not pay the beath benefit.
Also, if they catch you in a lie during underwriting, they might decline the application when otherwise possibly issuing it. For example, if you say you haven't been treated for something when you actually have, and they find out (through the Medical Information Bureau or contacting your doctor) they will decline your application; even if the condition was minor and wouldn't cause a decline on its own. The insurance company (rightly) believes if you lied once then everything on the application is suspect. |
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cathygirl32
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They'll never know if he was a smoker or not. Most people are honest to a fault. You have to go with your conscience on this one. |
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Maverick
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It is always better to tell them the whole truth. Or when the time comes for the payment they will catch you with the help of the fleet of lawers and the invesigators at their disposal and you will be seen fighting a losing lonely battle. |
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sheeranmj
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He will not be classified as a smoker. It really depends on the company as far as how far they look back. While he should get non-smoker rates they may or may not let him get the highest ratings assuming his health is otherwise great. Honesty is always the best policy. Especially with insurance. You could run into problems if you dont disclose all information. |
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billyZarabbit
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If they dont require a pre-acceptance physical including chest xrays, and he has no treatment for respiratory problems with xrays on file. Smoking is really no longer an issue, except an excuse for them to push a higher rate on you. |
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brunt
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Always, always, always tell the truth to your insurance company. (No I don't work for one)
The whole reason that you get insurance is to protect yourself from any sort of catastrophic loss (in this case, loss of life). The insurance company is entirely within its rights to deny payment if they learn that you lied on your application form.
Even if you think that there is no way that they can find out, you would be surprised how many enemies and busibodies that can come out of the woodwork if they decide that they can inflict damage on you.
It just isn't worth it - don't even think about it. |
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stonead2005
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My husband is a dork and told the whole truth. They will never know, its not like they are going to give you a lie detector. |
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scarlett75
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Lying on an application is not something you should consider. This is insurance fraud and is punishible by fines and prison in most instances.Also if there were a claim and it was found you were untruthful then it could be denied then it would not matter that you paid less in premium because you wont have received the benefit you were paying for. Old doctors records or work records could indicate your husband as a prior smoker so it is not likely the lie would go undiscovered. |
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