Does Smoking Void A Life Insurance Policy? 
If you were not truthful on your application and lied about tobacco use , in some cases a carrier can void the policy if the misrepresentation is discovered within the first two years of issue , especially if death occurred during the contestable period . A more likely situation -LRB- if the policyholder is still living -RRB- is the carrier will backcharge you for the difference in a standard non-tobacco rate and the tobacco rate . 