It's been 6 months since i quit smoking can i class myself as a non smoker when applying for insurance?

Answer 1

You don't classify yourself as anything; the underwriter does. The question on most applications refers to ANY tobacco use within the past 12 months. I'm not necessarily recommending that you lie on the application, but if you were to answer "no" and your labs came back negative for tobacco use (likely after six months), it wouldn't be an issue. If they came back positive, you'd simply be issued at smoker rate.

After two years of owning the policy, it is incontestable. The company cannot deny a claim under any circumstances whatsoever.

Answer 2

You are still a smoker, if the insurance company has established a guideline that defines the period of time in which you may not smoke/use tobacco products to be considered a non-smoker.

Some companies, it is 12 months, some longer. Some companies allow for infrequent cigar smoking without charging smoker rates.

In the event that you declare yourself non-smoker, and later they determine that you may have lied about this, your coverage could be in jeopardy. I suggest that you find out what their policy is regarding smoking and be honest on the application. It may cost you more upfront, but if your coverage is cancelled, it will cost you much more later. Is there a question on the application that asks if you've EVER had an insurance policy cancelled, denied, postponed, or rated???? What do you think happens when you have to answer this question YES for the rest of your life?

Edit: The insurance company has a specified period of time in which to determine if the applicant provided false information on their application. After that period of time, there is nothing the insurance company can do to you if, later they determine that you lied on the application. This has nothing to do with your cause of death, only the material representation on your application.

Answer 3

Life insurers require 12 months of being a non-smoker to qualify.

Answer 4

no unfortunately most life insurance company's class you as a non smoker after a year if your worried speak to sum1 at the company you are applying for. because if you need to make a claim and it has anything to do with smoking then they will not pay out. most questions ask if you have had a ciggarette, cigar or tobacco based product in the last 12 months?

Answer 5

firstly well done i am finding it sooo hard. for insurance reasons you have to have not smoked for 12 months, and god forbid anything did happen and they found out you smoked the policy would be void.
i cannot say but a lot of people say once a smoker always a smoker.

Answer 6

I got life insurance last week and they asked me if id ever smoked. Guess if you answer yes to that then they go into detail about when that was and make decision from that. Im worth 97 grand!! Heehee

Answer 7

i quit 28 years ago but you can say it now if you want to consider this can you taste your food are your clothes fresher if yes your a non smoker until the next one just the same as me Regards

Answer 8

Yes, you can, unless the question on the insurance specifically says "have you ever smoked?"

Answer 9

Read their terms & conditions.

I would state "non-smoker" but some policies say 1 year's abstainance is required :-(

Answer 10

They usually ask if you have smoked in the last year.