Can Life Insurance Drop You? 
When you do all that was asked of you and did not lie or omit something important during the life insurance application process , the policy you get is yours to keep . The life insurance company can not drop you because you get cancer , break your back , or start smoking . They will not even adjust your rates for those things . The policy you legally got is legally yours until it ends -LRB- as in Term insurance -RRB- , or until you drop it by not keeping up required premium payments . 