If you were a non-smoker when you bought a policy but now occasionally smoke a cigar would this raise your rates?

%REPLIES%%DETAILS% Answer It isn't a problem with most insurance companies Answer The life insurance company is stuck with the policy and must pay the full claim, as long as the applicant did not lie during the application process By the way, smokers should always tell the truth, when applying for life insurance. Smokers can find affordable life insurance! In case you're curious, here are some real case histories of smokers, along with the best life insurance quote they received from the underwriter: Smoking, Tobacco, and Nicotine Addiction.

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