I smoke occasionally. If I stop for 1 yr. then seize policy will they test periotically to see if smoke or of late the initial test when I bring back the policy?
Answers: 12 months no cigarettes has to be true at the time of application, not for the rest of your duration.
If you use any form of nicotine besides cigarettes, you might qualify for non-smoker rates, even if you test positive for nicotine.
If you are looking for binding life insurance, I know of at lowest one company that will give you non-smoker rates immediately as long as you can squirt a nicotine-free specimen in 3 years.
The company will not theory test to see if you smoke after you have the policy inforce.
They adjectives have different rules on how long you own to have stopped smoking until that time you take out the policy. An agent that know the underwriting requirements of different companies should be capable of find you the best solution.
Most tests, if you hold been nicotine free for 21 days, it will not show up. If they ask question, be truthful about it.
Chewing and smoking will both show up. On the flip side though, if you stop for 21 days, you should hold broken the habit.
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Answers: 12 months no cigarettes has to be true at the time of application, not for the rest of your duration.
If you use any form of nicotine besides cigarettes, you might qualify for non-smoker rates, even if you test positive for nicotine.
If you are looking for binding life insurance, I know of at lowest one company that will give you non-smoker rates immediately as long as you can squirt a nicotine-free specimen in 3 years.
The company will not theory test to see if you smoke after you have the policy inforce.
They adjectives have different rules on how long you own to have stopped smoking until that time you take out the policy. An agent that know the underwriting requirements of different companies should be capable of find you the best solution.
Most tests, if you hold been nicotine free for 21 days, it will not show up. If they ask question, be truthful about it.
Chewing and smoking will both show up. On the flip side though, if you stop for 21 days, you should hold broken the habit.
Resolved Questions: