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Edited on Mon Sep-20-04 03:28 PM by papau
have gotten around this by threatening to use the "Good Health Clause" and have bluffed their way to a partial rather than full payment. But there is not, even in Massachusetts, an actual case where there is a judgement that refuses full benefits after 2 years.
During the first 2 years fraud causes a return of premium, except I would bet California would find a way to pay the full amount.
At the very least, document that the agent told you (a CYA memo to file signed by wife?) to say you were a non-smoker based on your 5 weeks not smoking.
If 200,000 is the amount you need, the cheapest route may be to take out a smoker term ins policy in addition to your non-smoker, and plan to drop it after 2 years when your non-smoker can no longer be challenged.
The cleaner alternative is to get the policy reissued as a smoker, and plan on asking for a rewrite after you are officially by their standards a non-smoker.
Cleaner yet may be a start over with a new company if you are in the free 30 day period and can get your money back
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