What If You Lie About Smoking On Life Insurance? 
what if you lie about smoking on a life insurance application ? It 's actually going to depend on what state the policy was taken out in . Normally there is a two year contestability period where insurers have the opportunity if they choose to contest a policy by finding information that would change the policy . Except when it comes to smoking in some states . In my state lying about smoking voids the policy at any time . It is not subject to the two year rule . The state feels a contract was never formed so the two year clause never applies . 