Reader question:

Can I just…lie in order to not get Houston smoker term life insurance rates?

Kasey

Interesting question.

In many cases, companies take your word on it when it comes to smoking. You are rated for Houston smoker term life insurance if you put a check in the yes box next to the question: do you smoke? This also goes if you smoke cigars or chew tobacco. Some people can be tempted to lie, especially since you can abstain from smoking for three days and it will not leave traces in your urine. What you decide is up to you.

Lying on your application may not mean that your policy will be denied, but it’s still not a good idea. Since a lot of people do this, life insurance companies go to extra effort to find out who is telling the truth and who isn’t.

One of the main problems with lying in order to avoid the rate for Houston smoker term life insurance is that, if you die within two years since you got your policy and your insurance company finds out that you smoked, then they can deny your claim and your family will receive nothing. It doesn’t matter if you die from something cause by smoking or just in a freak accident–they can still deny it, or they can just pay out what you would have gotten if you had Houston smoker term life insurance.

take care,

Fashun