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

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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.​​​