Smoking Can Harm Your Family Long After Your Death

Smoking carries a certain dark cloud over the smoker’s head – and it’s not the cloud of smoke from the last cigarette. It’s the cloud of untimely death. Life insurance companies see the dark cloud that follows smokers around, too. That’s why it sometimes seems impossible for smokers to purchase life insurance policies. Most life insurance companies require potential policyholders to undergo a medical examination before offering them a life insurance policy. If the smoker resumes smoking once the medical examination is over and the life insurance policy has been purchased, he or she can still be denied coverage.

If the policyholder dies during that time, and the life insurance company finds out the policyholder died from smoking-related health conditions, the company can revoke the death benefits and the family members and beneficiaries will be left high and dry.

If you can’t stop smoking for yourself, stop smoking for your family.