Does Smoking Void A Life Insurance Policy? 
In addition to the good information given by the others on this page about smoking AFTER a policy is put into effect , I will address smoking while applying for life insurance . If you put on your application that you do not use tobacco , but then evidence of smoking is found in your labs or medical records , the application will usually not be voided . The insurance company will charge smoker rates , and if you have a health condition that is harmed by smoking , the application could be declined . Also , lying on an application about smoking then makes everything on the application suspect . This can also cause an increase in life insurance rates . 