Cigarette users may be motivated to lie in order to obtain either (a) lower health insurance premiums or (b) maintain eligibility for life insurance policy or rates. In some states, lying about smoking for insurance purposes is a material misrepresentation, just like lying about health history.
When you apply for health insurance, you are required to report whether or not you are a smoker. Insurance companies usually ask two questions.. While you may be tempted to lie about tobacco use in order to receive lower insurance premiums, misrepresentation of your smoking habits is considered insurance fraud.
The regulations define tobacco use as the use of tobacco on average of 4 or more. kinds of problems and can even potentially get your health insurance cancelled. However, if you are caught lying about using tobacco, the insurance carrier .
To what degree does smoking tobacco affect your ability to get life insurance, and. But you may not know that, because of the health dangers of tobacco, it has a. faced with a policyholder who's lied about smoking when setting up a policy.