[Daniel]

Life insurance policies typically include a clause stating that if a policyholder misrepresented or failed to disclose a significant fact during the application process, such as tobacco use, the insurer can potentially contest the policy.

In many cases, this would be possible only within a specific contestability period, which is usually the first two years after the policy was issued.

If your husband’s policy is beyond that contestability period, the insurer may not be able to void the policy outright.

However, if the death is directly related to tobacco use and the policy clearly specifies a non-tobacco classification, the insurer might reduce the payout or, in rare cases, challenge it.

[Calvin]

Take out another policy as a tobacco user

[Author]

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