A normal
underwritten life insurance policy application can be time consuming to complete and if you have a very busy and hectic lifestyle, you may simply not have enough free time to take a medical exam and go through a complete application process.
Unlike
typical life insurance policy applications which can be several pages in length and have hundreds of questions, most simplified issue life policies are just a page or two long and only require some key personal information.
While many
life insurance policy applications will require the applicant to undergo a medical examination to be approved for coverage, Sagicor Life Insurance Company offers certain plans that are considered to be no medical exam coverage.
For a smoker or long time smoker who has quit, a medical exam may provide some damaging information as part of
a life insurance policy application.
The answer is no,
no life insurance policy application will avoid or neglect to ask smoking and smoking history questions.