If an insured falsely claims to be a nonsmoker to get life insurance at a lower premium,the insurance company could deny a request for payment of the death benefit.

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This is known as material misrepresentation and is considered fraud. Insurance companies have the right to deny payment of a death benefit if it is discovered that the insured provided false information to obtain a lower premium.

If an Insured Falsely Claims to Be a Nonsmoker to Get