Does Life Insurance Really Pay? 
Yes , Life Insurance carriers make good on their contracts all the time . If an individual had a life insurance policy in force and dies , his or her family will receive the death benefit proceeds . The insurance carriers will look for information about the cause of death . If no foul play or false reports a death benefit claim will be paid . It is important to be open and honest when filling out an application . Do not hide the fact if you are a smoker or have a family history of depression . We respect your privacy . It is always better to disclose this information upfront . After the ` two year ' contestability period , if you stopped smoking for more than one year and have no other health issues you should renegotiate the cost of insurance with the insurance carrier . It could end of saving you money over the length of your contract . The point is do not avoid purchasing life insurance or lie on the application because you smoke or have high blood pressure . You can always go back and renegotiate the cost of insurance . By misrepresenting information about yourself on the application you could put your family at risk in the event of death and a claim not being paid . 