0
If I have been paying non-tobacco user rates for the life of my insurance policy will I be covered if I am a tobacco user at time of death?
Wiki User
∙ 15y ago
Yes, you will be covered if you bought your life insurance policy based on non-tobacco user rates and then started smoking after you bought the policy.
Also, the carrier has two years after you purchase to contest the policy.
After that period, you may be covered either way.
However, some carriers may reduce the total payout by deducting the difference in preiums they would have charged for a smoker, from the policy coverage amount paid to your beneficiary.
Also, if you die within 2 years of buying the policy, and said you didn't smoke, and the smoking was the cause of your death, that may be considered material misrepresentation, and the insurer may be able to dispute the payout of your policy.
Wiki User
∙ 15y ago
Add your answer:
Earn +20 pts
If your health insurance has maxed and is no longer paying but you are still paying premiums to stay covered should you receive insurance-covered rates at the medical facility?
I would say YES. It seems similar to me, that it's the same question as, what if the insurance isn't paying because it's below the deductible? I know for a fact there that you get the Insurance Negotiated rate.
Who is responsible for paying medical bill's the patient or the person under who's insurance they are covered?
patient
Are the Visiting Angels services covered by insurance?
Insurance coverage is different on a person by person basis. Depending on the type and amount of coverage you are paying, it is possible that Visiting Angels's service is covered.
Are you covered if you are speeding?
Probably not those sleazebags at the insurance companies will move heaven and earth to get out of paying a claim.
Is the Insurance Factory a good place to get insurance from?
Insurance is very important. You want to know that you are getting what you are paying for and that you and your family are covered. I would start by looking up the ratings to the companys as well as asking friends and family what they have heard.
What are some ways that tobacco is sold illegally?
Tobacco sold without paying taxes is tobacco sold illegally.
Can you get your deductible refunded if later your insurance does not cover the medical test?
Your doctor gave you services based on YOU paying. His deal is with you, not the Insurance Company. Did the MD PROMISE that you would only have to pay if Insurance Covered it? for more details see www.SteveShorr.com
What is the law when you let a friend borrow a car and the car is damaged internally severally and in my opinion vandalised?
depending on your insurance: if your insurance says that if you give permission to others to drive your car then its covered by your personal insurance. However, the catch is that its half of your insurance paying for it: and half of theirs
Is it legal to have gap insurance?
Yes, if you're talking about having a break in your insurance payments. Some (but not all) companies offer a 'free' period of insurance - but it's covered by an increased monthly premium - so you're not actually getting anything for free. During the 'break' period, you're still covered by the policy you're paying for.
How long before I am covered by my husband's insurance after we get married?
As soon as you can get listed on the policy and begin paying the premium, you can be covered. If this is a group plan with his job, you may have to wait until open enrollment so you can be listed on the plan and your premium can be collected. If this is an individual plan on his own, call the insurance company phone number on the insurance card to be added to the plan.
Does basic motorcycle insurance cover theft?
"Basic" is vague. Generally speaking, there are two main categories of insurance: liability (which covers other people) and comprehensive (which covers your vehicle). If you have liability insurance only, it most likely won't cover theft of your motorcycle. You should talk to your insurance agent to be sure that what you want covered is covered, and that you're not paying for coverage you don't want (and aren't legally obligated to have).
What happens if my car insurance expires?
When car insurance expires the car and passengers are not longer covered so when a wreck occurs there will be no help with paying medical bills or to fix the cars involved in the wreck. May be subject to a fine if not insured.
