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Anonymous
I'm checking for a friend. What happens if they find out that he smokes even though he just started smoking and wasn't smoking when he bought his insurance policy.
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Hariz Arthur Maloy
07 Jul 2019
Independent Financial Advisor at Promiseland Independent
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Elijah Lee
07 Jul 2019
Senior Financial Services Manager at Phillip Securities (Jurong East)
There is usually a period of two years (please check individual policy wording), after which the policy becomes incontestable. Claims have to be paid unless there is non payment of premiums or in cases of fraud.
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Just declare to your insurers. They might increase future premiums, but at least you know there won't be issues at time of claim.