If my health or habits change after my policy starts, do I have to tell my life insurance company?
Answered by 2 licensed agents
You do need to notify them if the following occur:
• Policy changes: You must update the insurer if you apply for more coverage or add riders.
• Reinstatement: If your policy lapses and you want to restart it, you must redeclare your health.
• Health improvements: If you quit smoking or lose weight, you can proactively request a rate review to lower your costs
Answered by Mark Boone on October 3, 2026
Broker Licensed in MN, FL, MI, NC, SC & VA
Answered by Tony Spikes on October 4, 2026
Broker Licensed in GA
Tags: Coverage How Life Insurance Works
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