re: Why do people think that they can lie to insurance companies?

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Notice I said notify them of the change

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I thought you said to notify the company that he started smoking after the policy was already in force. If he does this, he's still attempting to deceive.

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If I later start smoking again (not happening) there is no intent to deceive and there can be no denial as I never agreed to not smoke in the future and my policy has no notification T&C.

The barristers would line up around the block for this case if a denial occurred.


All this depends on the T&C of the policy and the contestability period and will vary a bit state by state.

The normal way it would sort out is the cumulative amount the policy rate would have increased would be subtracted from any proceeds rather than a blanket denial.

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I am in no way disagreeing with this. I haven't addressed what the ramifications are (if any) if he engages in hazardous activities or tobacco use after the policy is in force.


And yes, when people quit smoking, I can usually get their premiums reduced significantly, happens all the time, unless they enrolled in the policy in their 20s and quit smoking in their 60s.