Amending Life Assurance for smoker?

jimbo6977

If she's gonna schmoke, best to schmoke decent gear. Richmond superkings and the like are a grim waste of space. 

LeadFarmer

dunstonh said:

Once a life assurance policy has commenced, it doesn't matter what happens in terms of occupation, hobbies, health or whatever.  The insurer does not need to know.

However, the more common trend is for smokers to become non-smokers.  It is not that common for non smokers to take up smoking if they get through their teens to mid 20s not smoking.    So, I would not be surprised, in the event of death through a smoking-related disease for the insurer checked a bit harder as to whether she was a smoker before she applied for the insurance.

The insurer would likely invalidate the policy and refuse to pay out based on what you have said.

That's interesting, thanks.

MrGorsky

I went through this, albeit 10 yrs ago, when my wife took up smoking again. I informed the insurer, and they noted the change, though the lady on the phone said it wasnt a usual call, but it would remove any grey areas. Funnily enough, I had car insurance and life insurance with the same insurer. When I called, I said I needed to update the policies, the car for having a tow bar fitted, and the wifes for her cigarette habit / addiction. The lady on the phone found it entertaining, lol.