Reader’s Question:

If I don’t tell my insurer that I am smoking, would the insurance company in Hartford, know about it? Will anything happen to me if I lie about my smoking?

Erwin

Hartford, CT

Smokers are considered an insurance risk because they pose high risks for health problems compared with non-smokers. Smoking cause serious negative effects on health, and eventually life insurance. The insurance companies in your area, will of course know eventually.

Concealing the fact that you are smoking can be considered as a fraudulent act, therefore your insurance company will not know immediately in your application for life insurance. In the event that you prematurely die and your insurance company found out that the cause of it is smoking, then your insurance company holds the right to deny claims of your insurance!

It is better to be honest on your part so as not to scrutinize your insurance and endanger the benefits that it will bring to your beneficiaries.

Your life insurance company in Connecticut may not have known it that you’re lying upon your application of insurance, but provided they know eventually, then you’re in a costly mess both in the law, as it is a fraudulent act and your insurance in Hartford.