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Hiding tobacco use from your insurance provider is a fast track to a rejected claim. If you use tobacco, keep these 3 rules in mind before buying term insurance:, 1 Total Disclosure: You must Smoking doesn't make you uninsurable but hiding it can put your family's claim at risk. Insurers price policies based on risk, so tobacco or nicotine use may lead to higher premiums. This MCPersonalFinance Why occasional and social smokers may not escape higher insurance premiums Insurers assess risk largely based on information provided by customers, making honest disclosure a crucial part of the Here's How Smokers Can Obtain The Best, Cheap Life Insurance

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