• Do life insurance companies check your medical records after you die?

  Let’s say that you get life insurance and claim to be a non-smoker. Then let’s say that you start smoking or resume smoking. Assuming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit?

   

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    lorrine 9:02 pm on February 12, 2010 Permalink
    

    If you die of something caused by smoking…
    they will likely check your records a bit

    BUT they’ll still pay the claim – minus the amount you "should’ve paid" for premiums as a smoker. Try this site

    http://free-best-life-insures-comparator-usa.blogspot.com/

    Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

  • 

    mar c 9:02 pm on February 12, 2010 Permalink
    

    some yes,some no….you would have to actually read the 15-20 page document…..

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    mbrcatz 9:02 pm on February 12, 2010 Permalink
    

    Absolutely. That’s called material misrepresentation.

    Regardless of how you died, it would void the policy.

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    ieguy 9:02 pm on February 12, 2010 Permalink
    

    If you were issued the policy as you say and you were actually a non-smoker and then you began again, then NO – it is not misrepresentation. If you die, they pay. Also, most life insurance policies have a two year contestability period (that means there is a two year window for the company to contest the validity of the policy. if you’re past the two year window even with some misrepresentation, the policy will still pay out.

    If you actually are a smoker and just lie about it, the chances are almost 100% that they will have caught that even before they issue the policy because it will show in the blood test.

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    primericaisbad 9:02 pm on February 12, 2010 Permalink
    

    WOW…another wrong answer by a "Top Contributor"

    After 2 years, there’s no issue whatsoever. Within the 2 years, if they can prove you were a smoker at application time and got passed the tobacco test somehow, they may adjust your policy to pay out as if you were a smoker. In other words, they would figure out how much coverage you would have been purchasing at a smoker’s rate with the premiums you were paying and pay out that amount.

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9:02 pm on February 12, 2010