Is A Life Insurance Policy Void If The Application Was Completed Incorrectly? 
No , your life insurance policy is not void . You said you did not smoke at the time your mother filled out the application , so checking the nonsmoking box was correct at that time . No one can foresee the future , and life insurance companies do not expect you to anticipate whether or not you will start smoking several years later , any more than they expect you to predict if you will get a serious illness or marry someone who wants you to scuba dive with them . Do n't cash it in . It is fine . 