Interesting.
I recently applied for and was accepted for a 10 year term policy with no physical required. I told them I used to smoke cigs like years ago but havent smoked cigs for years. Initially the policy was a smoker rate, but I then got it changed to non smoker rate.
It's not a huge policy.. my first ever life insurance. I only got it because my gf bitches about me riding a motorcycle. I guess I cant blame her I've been riding for 2 years and have broken my collarbone and then my right elbow
But my question is when do they normally require physicals? Has covid changed things?
and also when you die do they inspect your body for signs of tobacco use?? My guy says basically once you're approved you can do whatever you want ?