Life Insurance — Do Smokers Really Lie?
In spite of the impact on dependents, the answer is often, “Yes!”
There is absolutely no judgement intended from me on this issue— anyone who has managed to survive even a short period of being secret smoker understands the level of deceit and abuse of trust required to pull it off.
When it comes to life insurance or health insurance questionnaires though — it is seemingly way to easy for smokers to lie about their tobacco use.
In fact, nearly half of smokers do lie about it.
As recently reported on Forbes.com, “43% of life insurance applicants didn’t disclose their tobacco use, according to ExamOne, which performs medical exams for life insurance companies. That’s based on the number of people who had cotinine in their testing analysis but said they didn’t smoke”.
Even the most hardened secret smoker realises that the ramifications of lying on health or life insurance applications can be extremely serious for themselves and for their loved ones. No doubt it lurks at the back of their minds, like a huge dark shadow, nestled in with the other grimmest of fears that occasionally prick into their consciousness — before being pushed away into the darkest of corners.
No wonder it’s a taboo subject, just dwelling on the question of what happens to their partner or kids in the event that their life insurance is found to be void is the stuff of nightmares.
The great news is that it’s a nightmare that a smoker in this predicament can wake up from immediately. The most important step is to stop smoking now. Doing so ensures that whatever follows will be so much easier to deal with.
The sooner you quit — the better!
The ability of the human body to recover from the immense damage we inflict upon it is extraordinary. Not only does your body recover — it does so incredibly quickly. Within 24 hours of quitting smoking you’re half as likely to suffer from a heart attack. The gains just get greater and greater from that point onwards.
Staying alive for as long as you can is no doubt the best remedy, and release from those horrible dark clouds of worry about your health. More than that though — release from the fear and guilt relating to you perhaps financially forsaking your loved ones in the event of your unfortunate early demise — is truly priceless.
It is genuinely easy to stop smoking — when you know how.
Check out our Live Group Seminars for stopping smoking (which include a money back guarantee) here.
Check out out our Online Video Program for stopping smoking here.
If you lied on your insurance policy you should definitely obtain some professional advice (anonymously) on the best way to remedy the issue — so please don’t ignore it — even once you’ve successfully quit smoking.
From the desk of John C. Dicey, London, England.
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