What if i were quit smoking when renewing my insurance ? How can i go about purchasing insurance indicating as a non smoker now ?

Hi,

I recently just helped a client to change his smoking status.

Note the time when you quit smoking, 12 months later, let your agent know and (depending on the company), you will need to declare to the company and probably list out the reason why you quit etc. Don't need to do medical check up unless required by the company.

The underwriters will go through. If you are still healthy, the application is rather fast, about 2 days after signing for my client's case.

Hope this helps.​​​

I quit smoking last September. Here's what my agent is going to do for me.

1. Ask me to wait 1 yr. So sept 2021.
2. At sept 2021, aia will sponsor a simple medical check up to check my health to see if I'm eligible to downgrade to a non-smoker plan. She said it's free, but I highly suspect she's sponsoring it.. I need to find out cuz if free or not cuz idw her to pay for me.
3. If I'm eligible for the downgrade, my next yr's premium onwards will be a non-smoker rate.

Essentially you need to wait one 1yr of quitting with no relapse. Take the medical, pass it and let your agent handle.