Is A Life Insurance Policy Void If The Application Was Completed Incorrectly? 
That is an interesting question ! If you were asking about something simple , like spelling errors or unchecked boxes , in most cases , probably not . But when it comes to matters of incorrectly completing them with the intent to defraud or mislead -LRB- on either your , or the agent 's part -RRB- then yes , not only will it lead to the policy being voided , but often to civil and criminal charges . Insurance fraud is a bad deal . Now , since you explained that the policy was correctly filled out at its ' time of issuance , this becomes more a question of your integrity . You 've started doing something that would have changed the terms of the policy , so do you stop doing that , or have your policy amended to reflect your decision to smoke ? The risk to yourself , and now the insurance company has just increased dramatically . What you do to yourself is one thing , but to make someone else bear that risk unknowingly is another . Do you think they will be quick to pay if they learn that you pass from a smoking related disease developed over time , and that your policy said `` non-smoking '' ? You have a decision to make , and I hope that it is the right one . Thanks for asking ! 