Life Insurance and Cigars

[Barteur]

Originally Posted by acruce

what if you started smoking after you bought your policy, would you be lieing

Is anybody had experience with this? Let say I really did not smoke when I sign up and that I started this year. Do I have to call my insurance to tell them? Is this a case where the 2 year clause come in place even if the death is not related to cigars?

I am presently reevaluating my life insurance but I dont want to open a can of worms and end up paying like crazy because I am smoking 2 or 3 cigars a month. (on the other hand I have been reading on this site for the past month I will propably start smoking more... you guys are evil)

Frenchie