Does Smoking Void Life Insurance? 
Does smoking void life insurance ? It can in one way that I know of , if you state that you are a nonsmoker when actually you are a smoker . In my state -LRB- insurance is regulated state by state , your state may be different -RRB- if you misstate your smoking status it `` can '' void the policy , even after two years . The state considers the contract null and void so just a refund of premiums . If you decide to start smoking after you 've purchased life insurance , no penalties apply . 