Does Smoking Void A Life Insurance Policy? 
Depending on the state of issue , yes not being truthful about smoking on the application can and does `` void '' the policy , even past the two year contestability window . In my state , lying on the application voids the contract , so insurance companies who in the past just paid out what the premium could get at the smokers rate were told to just refund premium paid . No death benefit was allowed . If you fill out an insurance application , make sure that you read any special considerations attached to the application for your state of residence . 