Comments on: Do life insurance companies check your medical records after you die?

By: mar c

mar c — Sat, 13 Feb 2010 04:02:42 +0000

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

By: mbrcatz

mbrcatz — Sat, 13 Feb 2010 04:02:42 +0000

Absolutely. That’s called material misrepresentation.

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

By: ieguy

ieguy — Sat, 13 Feb 2010 04:02:42 +0000

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.

By: primericaisbad

primericaisbad — Sat, 13 Feb 2010 04:02:42 +0000

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.

By: lorrine

lorrine — Sat, 13 Feb 2010 04:02:39 +0000

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.